Job Details

Description

As a Commercial Loan Officer II at Legacy Bank, you will be responsible for driving the growth and profitability of the bank's commercial lending portfolio while fostering strong relationships with local businesses and community partners. This role involves identifying and developing new lending opportunities, structuring and underwriting loan proposals, and managing an existing portfolio to ensure sound credit decisions and risk management. You will also collaborate with executive management and internal teams to align lending strategies with the bank's mission of building lasting relationships, providing tailored financial solutions, and upholding integrity and sound business practices.

If you are a proactive, customer-focused professional with a deep understanding of credit analysis, loan structuring, and regulatory compliance in the banking industry, please apply!

Responsibilities

• Takes applications for commercial loan business. Reviews customer financial condition and assesses the customer's ability to re-pay the loan. Makes underwriting decisions within approval authority. Completes or directs completion of all loan documents and closes loans.
• Participates in developing lending and deposit business for Legacy Bank. Calls on clients to expand existing business; calls on prospects seeking opportunities to expand the Legacy's client base. Assists customers with any loan-related questions and concerns.
• Collects delinquent accounts in a timely manner within the Bank's procedures/processes. Develops/negotiates revised loan repayment terms/schedules as necessary.
• Monitors existing loan portfolio to maintain a high-quality asset base. Maintains up-to-date client files including current balance sheets, profit & loss statements, cash flow projections and all loan documentation.
• Works in tandem with Credit Administration to request appraisals, review applicant credit files and other information pertinent to the evaluation of the loan application.
• Represent Legacy Bank as appropriate in its relationships with customers, community groups, civic organizations, other financial institutions and similar groups.
• Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, the Office of Foreign Assets Control and security policies and procedures.
• All employees are expected to actively promote Legacy Bank to existing and prospective customers to obtain and build the Bank's customer base and thereby enhance Legacy Bank's growth and profitability.

• Five to ten years of similar or related experience, including time spent in preparatory positions.

• Bachelor's degree in finance, accounting, business administration, economics, or a related field.
• Strong knowledge of credit analysis, loan structuring, underwriting, and portfolio risk management.
• Proven success in developing and managing a commercial loan portfolio, including relationship management and cross-selling of bank products.
• Excellent communication, negotiation, and interpersonal skills for building and maintaining client relationships.
• Familiarity with bank regulatory requirements and industry best practices.

• Consistently operates with transparency, professionalism, and sound ethical judgment.
• Ability to align lending activities with the bank's long-term growth objectives and community focus.