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Commercial Lending Officer

Company Name:
Adams Consulting Group, LLC
NEW JERSEY COMMERCIAL BANK - NORTHERN NEW JERSEY
COMMERCIAL LENDING OFFICER
JOB DESCRIPTION
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General Responsibilities
Develops new commercial loan business, services commercial loan portfolio, works with branch associates assigned in territory to handle all commercial loan requests, assists other lenders as directed, provides functional guidance to less experienced officers, and provides other customer services as required. Operates with limited credit authority
ESSENTIAL DUTIES AND RESPONSIBILITIES:
1. Calls on prospective commercial customers within the bank's market area (and beyond) through the effective use of personal face to face sales calls, telemarketing, and direct mail
2. Interviews applicants to develop information concerning their business, needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk
3. Obtains, performs and directs the analysis of all necessary financial data
4. Calls on customers at their place of business as directed
5. Makes decisions on loans and terms within own lending authority. Loans outside of granted authority will be recommended to appropriate authority as outlined in Loan Policy
6. Maintains commercial loan portfolio, responsible for obtaining current information, follows up on delinquencies, and reviews loans
7. Participates with Senior Loan Officer in making larger loans
8. Works with assigned branches to develop loans and process all commercial loan requests in conjunction with branch lenders
9. Cross-sells bank services and products and introduces customers to other department or branch associates when appropriate
10. Prepares loan proposals for new and renewal loans and makes presentations to Officers' and Directors' Loan Committees

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