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Commercial Lending Loan Officer (CRE)
Join a successful, community-oriented bank with an engaging, employee focused culture
Baltimore, MD / Nottingham, MD / Perry Hall, MD
Job Description
SUMMARY:
Responsible for prospecting and generating new business for the Bank, underwriting, structuring and closing of commercial loans as well as maintaining and servicing an existing portfolio.
ESSENTIAL FUNCTIONS
SECONDARY JOB FUNCTIONS
Rosedale Federal Savings & Loan Association is an Equal Opportunity Employer, including disabled and vets.
Responsible for prospecting and generating new business for the Bank, underwriting, structuring and closing of commercial loans as well as maintaining and servicing an existing portfolio.
ESSENTIAL FUNCTIONS
- Develops contacts and relationships with potential business sources; manages and enhances existing commercial customer relationships.
- Underwrites loans by analyzing all necessary financial statement data, leases and appraisals, as well as other information learned from onsite company visits to determine potential borrower’s credit worthiness before making a loan decision or recommending a loan for consideration by the Loan Committee.
- Authorizes and/or recommends approval of loan applications; approves loans within specified limits or refers loans to Loan Committee for approval. Ensures that the loan structure is appropriate and adequately protects the organization. Ensures that loan documentation is complete, accurate and as approved.
- Maintains an appropriate balance between credit quality and commercial real estate loan growth by keeping business development and credit risk in appropriate balance. Makes quality loans that do not exceed any limitations established by the organization or its regulators.
- Monitors commercial real estate loan portfolio to ensure conformity with terms, proper risk ratings and early identification of potential problems. Ensures timely submission and review of financial information, loan documents and other submissions. Proactively notifies management of credit deterioration and ensures all action items are executed in a timely manner. Services delinquent and problem accounts.
- Stays current and in compliance with all required laws and regulations relating to the lending functions as well as Rosedale Federal loan policy and guidelines.
SECONDARY JOB FUNCTIONS
- Other duties may be assigned.
- In depth knowledge of banking industry, and specifically all laws and regulations relating to commercial real estate (CRE) lending in either a bank or a savings and loan environment. In depth knowledge of regulations relating to CRE lending is required.
- Strong credit analysis/underwriting skills and analytical ability.
- Strong sales/business development and customer service skills.
- Self starter and works well independently.
- Excellent verbal and written communication skills.
- Strong negotiation skills.
- Excellent time management, multi-tasking and organizational skills.
- Strong presentation skills.
- Solid computer skills.
- College degree in a business, finance or related field, or equivalent experience in the industry.
- Minimum five (5) years in the savings and loan or banking industry in commercial real estate with minimum five (5) years of credit analysis/underwriting experience.
- Must be able to remain in a stationary position approximately 50% of the time.
- The person in this position needs to move about inside the office to access file cabinets, office machinery, etc.
- Constantly operates a computer and other office productivity machinery, such as a copy machine and computer printer.
- Ability to travel locally within Maryland.
Rosedale Federal Savings & Loan Association is an Equal Opportunity Employer, including disabled and vets.
Job Summary
Employment Term and Type
Regular, Full Time
Hours per Week
37.5
Salary and Benefits
Eligible to participate in all benefits offered to Rosedale Federal employees to include Medical, Dental, Vision, and 401(k) programs.
Required Education
High School or Equivalent
Required Experience
5+ years
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