Objective: Manages a portfolio of commercial clients, underwrites loans, and develops new business opportunities. Works more independently and may mentor junior staff.
 
Classification: This is a Full-Time exempt position and reports to the Commercial Loan Group Manager.
 
Job Location: Fishers, IN
 
Essential Functions:
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Analyze financial statements and assess creditworthiness.
• Ensure proper risk ratings and early identification of potential problems.
• Source, develop and underwrite new construction, interim and permanent financing requests for new and existing customers.
• Maximize bank profitability through appropriate pricing of new loan originations, fee income and selling of all bank products and services.
• Conduct basic financial analysis and credit reviews.
• Negotiate terms, structure loan financing based on risk considerations and present credits for approval to appropriate levels of authority with the bank as required.
• Support the bank’s strong relationship banking culture through on-going customer contact, quality customer service and superior product knowledge.
• Maintenance and development of an existing portfolio of approximately 100 commercial clients
• Develop new loan and deposit business with prospective customers
• Evaluate, authorize, recommend and approve various types of commercial and commercial real estate loans
• Consult with borrowers and prospective borrowers to determine and recommend the most beneficial structuring of loan requests
• Ensure compliance with internal policies and regulatory requirements.

Other Duties: Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.
  
Competencies

• Communications Proficiency.
• Financial Management.
• Customer/Client Focus.
• Technical Capacity.

Education and Experience:

• Bachelor’s degree in finance, business, economics, or related field preferred
• Minimum of three to five years of commercial lending experience
• Strong credit skills and business development abilities
• Strong customer service and sales orientation
• Formal credit training preferred
• Knowledge of loan structuring and risk assessment