RaleighRecruiter Since 2001
the smart solution for Raleigh jobs

Government Lending Officer

Company: West Town Bank & Trust
Location: Raleigh
Posted on: February 24, 2021

Job Description:

Position Summary: The primary function of the Government Lending Officer position is to attract new business and expand current commercial relationships to meet and exceed management's marketing objectives. Designs, develops and implements solicitation programs to attract new customers in the business community. Typically manages a substantial portfolio of commercial and construction loans and may be responsible for large complex accounts. Has responsibility for the overall growth and development of business in the nationally, as directed, with emphasis placed on government loans. Responsible for soliciting deposit relationships and actively promoting deposit growth. Provides information concerning current products and services that will benefit current and potential clients of the Bank.Essential and Basic Duties:* Provides enthusiastic, professional leadership to assigned lenders and staff. Ensures that service delivery is consistent, expedient, accurate, professional and courteous.* Establishes individual, sales and service goals for assigned area Business Development Officers per area income, growth and quality goals.* Develops new deposit relationships with growth of overall bank deposits as the goal.* Solicits, originates, assists underwriters as part of the loan origination process for Small Business and Commercial Loans.* Analyzes and underwrites credit requests fully to understand client need and to protect Bank asset quality.* Insures all loans made or rejected comply with laws and regulations.* Insures accurate, proper and complete loan documentation on all loans.* Administers rates fairly and prices according to bank policy for risk and credit quality.* Develops business through an active calling program.* Establishes loan and business development goals.* Identifies target loan clients.* Introduces clients to other Bank business services specialists as needed to fully meet client needs.* Maintains current knowledge of all Bank services and products.* Proactively manages and services both new and existing (or assigned) loan portfolios to ensure a minimum of delinquencies, substandard loans and documentation exceptions.* Collects past due loans and work to resolve any workout loan situations.* Actively monitors past due accounts and communicates and coordinates resolutions to any past due and workout situations with Credit Administration.* Anticipates maturities, obtain financials and renews loans on time.* Participates in civic and professional activities to enhance the bank's visibility in the community. Promotes favorable image of the Bank in all business activities within the community.* Stays abreast of regulatory guidelines pertaining to lending.* Manages all delivery channels to customers.* Responsible for cross selling deposit relationships to loan customers.* Stays informed of and uses/enforces Bank policies and procedures.Additional Responsibilities:* Utilizes outside training opportunities to expand knowledge and experience.* Remains knowledgeable of and adheres to corporate policies and procedures and Federal and State regulations and laws. Assures the Bank's compliance with regulatory agencies. Also adheres to Federal and State regulations and laws including the Bank Secrecy Act. An in-depth knowledge of fair lending legislation and compliance is required.* Performs other duties as required.General Qualifications:Minimum Education/ Certification: A bachelor's degree or equivalent experience in the financial industryRequired Knowledge: Knowledge of the types of commercial loans and loan documentation utilized at a bank is required. Must have a thorough working knowledge of the Bank's lending policy. Knowledge of applicable lending laws and regulations is essential. Must have knowledge of national economic trends, various industries, economic base, culture, key leaders, competitors, etc.Preferred Knowledge: A solid understanding of credit underwriting, accounting and financial analysis is preferred.Required Experience: A minimum of five years of banking experience originating and underwriting commercial and small business loans.--Proven ability to recognize and focus on critical sales and service delivery issues and to balance and respond to competing role and organizational needs. Preferred Experience: Experience in credit policy, analysis and regulatory practice would be helpful.Required Skills: The ability to schedule, prepare for and conduct professional and business development calls on customers and prospects is essential. Must have the ability to analyze commercial and small business financials and tax returns and to underwrite, document and approve or decline loan requests. Sales and service leadership capabilities are required. Must have effective sales management and coaching skills and be a good role model with motivational and/or training skills and abilities. The focus/desire must be to provide excellent customer service. Must have the ability to implement and maintain appropriate procedures and policies to ensure operational efficiency and regulatory compliance. Strong verbal and written communication skills are essential. The ability to speak with confidence one-on-one and in group meetings and presentations is required. Must be able to think and act independently within guidelines and limitations of Bank policy and assigned authority. Must have proven superior negotiation skills and the ability to communicate effectively across a broad base of internal and external customer. Must be a capable user of Bank computer systems and technology including word-processing, spreadsheets, Internet and internal software.Preferred Skills: Should be able to manage many responsibilities simultaneously and accurately. Strong sales and organizational skills are strongly preferred.

Keywords: West Town Bank & Trust, Raleigh , Government Lending Officer, Government & Protective Services , Raleigh, North Carolina

Click here to apply!

Didn't find what you're looking for? Search again!

I'm looking for
in category
within


Other Government & Protective Services Jobs


RN / Holistic Nursing Job in Washington, North Carolina / Government
Description: I believe that better care begins at home. Compassionate care, uncompromising service and clinical excellence thats what our patients have come to expect from our clinicians. Kindred at Home, a division (more...)
Company: Kindred at Home
Location: Washington
Posted on: 03/7/2021

RN / Holistic Nursing Job in Bennettsville, South Carolina / Government
Description: I believe that better care begins at home. Compassionate care, uncompromising service and clinical excellence thats what our patients have come to expect from our clinicians. Kindred at Home, a division (more...)
Company: Kindred at Home
Location: Laurinburg
Posted on: 03/6/2021

RN / Registered Nurse Job in Winston-Salem, North Carolina / Government
Description: I believe that better care begins at home. Compassionate care, uncompromising service and clinical excellence thats what our patients have come to expect from our clinicians. Kindred at Home, a division (more...)
Company: Kindred at Home
Location: Thomasville
Posted on: 03/6/2021


Operations Supv (Government Reporting)
Description: Job ProfilePosition OverviewAt PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. (more...)
Company: PNC Financial Services Group
Location: Rocky Mount
Posted on: 03/3/2021

RN / Holistic Nursing Job in King, North Carolina / Government
Description: I believe that better care begins at home. Compassionate care, uncompromising service and clinical excellence thats what our patients have come to expect from our clinicians. Kindred at Home, a division (more...)
Company: Kindred at Home
Location: King
Posted on: 02/27/2021

RN / Holistic Nursing Job in Pink Hill, North Carolina / Government
Description: I believe that better care begins at home. Compassionate care, uncompromising service and clinical excellence thats what our patients have come to expect from our clinicians. Kindred at Home, a division (more...)
Company: Kindred at Home
Location: Pink Hill
Posted on: 02/24/2021

RN / Holistic Nursing Job in Rocky Mount, North Carolina / Government
Description: I believe that better care begins at home. Compassionate care, uncompromising service and clinical excellence thats what our patients have come to expect from our clinicians. Kindred at Home, a division (more...)
Company: Kindred at Home
Location: Rocky Mount
Posted on: 03/7/2021

Client Executive - State Government
Description: World Wide Technology has an excellent opportunity for a Client Executive on our SLED team. As a Client Executive, you will plan, work, and successfully establish WWT on all relevant State of North Carolina (more...)
Company: World Wide Technology
Location: Raleigh
Posted on: 02/24/2021

RN / Holistic Nursing Job in Raleigh, North Carolina / Government
Description: I believe that better care begins at home. Compassionate care, uncompromising service and clinical excellence thats what our patients have come to expect from our clinicians. Kindred at Home, a division (more...)
Company: Kindred at Home
Location: Raleigh
Posted on: 02/28/2021

Detect & Invst Qual Analyst (Government Reporting)
Description: Job ProfilePosition OverviewAt PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. (more...)
Company: PNC Financial Services Group
Location: Rocky Mount
Posted on: 03/2/2021

Log In or Create An Account

Get the latest North Carolina jobs by following @recnetNC on Twitter!

Raleigh RSS job feeds