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Commercial Officer II

Company: FNCB BANK
Location: Scranton
Posted on: August 7, 2022

Job Description:

The primary focus is to develop new business by identifying new relationships and expanding existing relationships. The secondary responsibility is to maintain, service and enhance an existing portfolio with a higher scope and complexity. Responsible for underwriting, structuring and closing commercial loans that meet the profitability objectives of the Bank and in a manner consistent with loan policy, other Bank policies, and all relevant federal, state and other applicable laws and regulations. Represents the Bank in the local community through active participation in community affairs. Participates in marketing all of the bank's products and services.The Commercial Officer II will: Sales/Relationship Building: In a manner consistent with loan policy and other related Bank policies and federal, state and other applicable laws: - Maximizes bank profitability through appropriate pricing of new loan originations, fee income, and selling of all bank products and services - Sources, develops and underwrites new loan requests for new and existing customers - Conducts loan interview with prospective commercial loan customers, counsels prospective customers on loan requirements and bank lending policies - Actively participates in the bank's business development programs - Develops referral relationships in order to proactively solicit business and conduct sales-related activities to meet specific loan volume origination goals - Attends sales and trade functions as the bank's representative to develop new business and gain information regarding leads on prospective accounts.Service/Relationship Management: In a manner consistent with loan policy and other related Bank policies and federal, state and other applicable laws: - Supports the bank's strong relationship banking culture through on-going customer contact, quality customer service, and superior product knowledge - Responds to customer requires and/or inquiries in a timely manner - Meets with customers on a proactive basis to review loan terms, renewals, pricing, and other loan provisionsRisk Management: In a manner consistent with loan policy and other related Bank policies and federal, state and other applicable laws: - Interviews applicants to develop information concerning their businesses, needs, desires, abilities and earnings to determine whether a loan may be an acceptable risk - Works with the credit department in the development and analysis of financial background data for new or renewed loans - Maintains ongoing awareness of overall economic risk, industry risk, and business risk of customers - Maintains and monitors valuation of collateral on a timely basis - Monitors existing loan portfolio to ensure proper risk ratings and early identification of potential problems - Maintains portfolio credit quality by managing individual book of business to bank expectations - Daily review, approval and disposition of commercial overdrafts on a consistent basis - Maintains low level delinquency in portfolio consistent with bank guidelines, continuously strives for zero delinquency - Negotiates terms, structure loan financing based on risk considerations and presents credits for approval to appropriate levels of authority with the bank as requiredCompliance/Documentation: In a manner consistent with loan policy and other related Bank policies and federal, state and other applicable laws: - Oversees and ensures accuracy and performance of loan administration and processes, such as receipt of applications from prospective applicants, completeness of loan packages, and timely processing, funding, and closing of committed loans - Reviews and analyzes applications and credit investigation information - Reviews loan request thoroughly and presents recommendation for approval or denial of requests in a format consistent with bank policy and regulatory guidelines - Verifies insurance coverage when necessary - Ensures that proper collateral is obtained and maintained when necessary - Makes decisions on loans and terms within established lending limits or makes recommendations to a superior; advises applicants of the decision - Follows current loans and credit lines to ensure complete compliance with terms, documents and corrects exceptions - Performs credit checks for loan applications when necessary. - Assists in preparation of financial statements as required. - Maintains a current knowledge of laws and regulations which impact commercial banking services - Maintains detailed records of meeting with clients or prospective clients - Performs other duties as assigned.PM22

Education/Training: - BS or BA degree or equivalent knowledge and/or banking experience; Formal credit trainingKnowledge/Skills/Abilities: - Excellent Oral and written communication - Sound judgement - Strong math skills - Knowledge of accounting principles and credit analysis - Through knowledge of lending regulations, procedures and operations - Strong interpersonal skills including the ability to work with all levels of employees and types of customers - PC proficiencyPI185154635

Keywords: FNCB BANK, Scranton , Commercial Officer II, Other , Scranton, Pennsylvania

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