Commercial Lender

Duties & Responsibilities include but are not limited to the following:

• Proactively seeks new business by establishing and maintaining relationships with individuals, businesses and organizations in Muscatine and the surrounding communities.   
• Represents the bank in the community through various memberships and involvement in community activities to increase the banks visibility and enhance business opportunities. 
• Meets with applicants to obtain information for loan applications and to answer questions about the process.
• Interviews all loan applicants and informs prospective loan clients of the financial institution’s underwriting guidelines and applicable government regulations.
• Screens loan requests based on financial institution policies and types of loans offered.
• Completes each loan application and all pre-processing functions in a timely manner to ensure documentation deadlines are met.
• Negotiates credit terms, such as costs, loan repayment methods and collateral specifications. Communicates approvals or denials to the borrower/client. 
• Monitors and actively participates in the collection of delinquent accounts.
• Reviews CAPS for accuracy prior to submission to loan committee and the Board of Directors.
• Reviews loan portfolio risk ratings for accuracy and recommends changes as necessary.
• Manages policy and technical exceptions.
• Promotes and participates in the financial institution’s special credit programs and other CRA programs.
• Builds knowledge and understanding of the credit function of the bank by participating in internal and external training opportunities.
• Meets with and/or entertains current and prospective customers.
• Performs other projects and duties as assigned by senior management.

Qualification Requirements

• Three to five years commercial lending or related business experience.
• Excellent organizational skills.
• Outstanding internal and external customer service skills.
• Demonstrate the ability to consider relative costs and benefits of potential actions; critically analyze related variables; logically apply reasoning when selecting goals and making plans.
• Must reside within the Muscatine or surrounding communities.  This is an on-site position.

Physical Demands:  The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• While performing the duties of this job, the employee is required to walk; use hands and fingers, handle or feel objects, tools, or controls; talk or hear.  The employee is occasionally required to stand.  The employee is frequently required to sit, sometimes for long periods of time.  The employee is occasionally required to reach with hands and arms; climb or balance; stoop, kneel, crouch or crawl. 
• The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 50 pounds.
• Specific vision abilities required by this job include close vision, distance vision, color vision, and peripheral vision.

Work Environment:  The work environment characteristics described here are representative of those an employee encounters while performing the essential function of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• The noise level in the work environment is usually moderate.
• This position is exposed to the potentially hazardous condition of robbery.  

Comments:  Position requires occasional overtime and the ability to attend staff meetings before or after normal business hours.  We are an Equal Opportunity Employer.