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Commercial Lender 1 or 2

Company: Savings Bank of Mendocino County
Location: Ukiah
Posted on: June 22, 2022

Job Description:

Job Title: Commercial Lender 1Department: LendingReports To: Head of Commercial LendingFLSA Status: ExemptSalary Grade: 20 ($80, 408 - 94,598 Annually) DOERevision Date: 01/2021SUMMARYAre you a motivated and high performing individual who has strong people and organizational skills, and a desire to work at a local business dedicated to meeting the financial needs of its customers, validating the investment of its shareholders, and investing its time, money, and expertise to support worthy causes throughout Lake and Mendocino Counties? Savings Bank of Mendocino County has proudly been serving the needs of our communities since 1903 and is seeking a qualified professional for the role of Commercial Lender 1 in the Lending Department. This position involves evaluating and underwriting all types of commercial loan requests from new and existing business customers; preparing comprehensive credit memorandums for commercial credits usually under $1MM; and developing new commercial relationships to increase the Bank's loan portfolio and profitability. You will be responsible for a loan portfolio of up to $40MM.The ideal candidate has a minimum of three years direct lending experience in either consumer, commercial or mortgage loans. A successful person in this role is self-motivated and willing to proactively assume responsibility for assigned commercial loan relationships. SBMC is excited to add to our team of individuals seeking to fulfill the Bank's vision of Investing in the future as your local independent bank, committed to the prosperity of our communities, employees and shareholders.ESSENTIAL JOB FUNCTIONS & RESPONSIBILITIESTo perform this job successfully, an individual must be able to perform each essential job function satisfactorily. The requirements listed are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  • Interview prospective commercial loan applicants and obtain all required information and documents to assess the loan request.
    • Thoroughly analyze and understand borrower financial statements to assess the borrower's ability to repay the proposed loan.
      • Prepare comprehensive credit memorandums that adequately address all issues associated with the loan request and present same in a clear and concise manner. This includes all types of basic commercial loans; usually under $1MM.
        • Approve loans within specified lending limits and present loan requests that exceed those limits to the appropriate committee or Board of Directors for approval.
          • Actively engage in business development activities and solicit new business to increase the Bank's loan portfolio.
            • Represent the Bank by being actively involved in community activities that provide support to local service clubs and non-profit organizations.
              • Under close supervision, proactively manage a loan portfolio of up to $40MM.
                • Diligently monitor assigned loan portfolio to quickly and accurately identify problem loans and minimize losses to the Bank.
                  • Other duties as assigned.MINIMUM QUALIFICATIONS
                    • High School Diploma or General Education Degree (GED)
                    • Three years of direct lending experience; consumer, commercial or mortgage
                    • The ability to register as a Mortgage Loan Originator through the Nationwide Mortgage Licensing System
                    • An acceptable credit history
                    • A valid driver's license
                    • Previous experience with Microsoft Office products, including advanced use of Word and ExcelPREFERENCESAssociates Degree in a related field or a Bachelor's Degree from a four-year college or universityJOB COMPETENCIES
                      • Reliability: Reliable to report to work on time and with minimal absences.
                      • Analytical Thinking: Solve problems quickly and effectively using a methodical step-bystep approach to break down complex problems into single and manageable components.
                      • Customer Service: Provide internal and external customers with high quality customer service that meets their needs in a timely and professional manner; promptly follow up on customer complaints, questions or requests.
                      • Accountability: Take ownership of and responsibility for your work product and actions in the workplace; transparently communicate progress toward goals; readily admit to errors and seek redress.
                      • Time Management: Prioritize multiple tasks competing for a finite amount of time and resources to determine the order in which each will be addressed; set goals and timeframes to achieve maximum productivity.
                      • Teamwork: Work cooperatively and collaboratively with others as part of a formal or informal team to accomplish Bank goals; acknowledge and respect the needs, ideas and contributions of others; constructively contribute to the team and successfully resolve conflict.
                      • Verbal Communication: Articulate ideas in individual and group settings adjusting style and methods to meet the specific needs of the audience; attentively listen to others to gather information and paraphrase meaning to verify understanding.
                      • Written Communication: Use correct English grammar, punctuation and spelling; communicate complex information in a succinct and organized manner.POSITION BENEFITS
                        • Competitive, market-based pay
                        • Comprehensive insurance benefits package including medical, dental, vision and more
                        • 401(k) plan with maximum 6% employer match
                        • Profit Sharing plan
                        • Generous paid time off plans
                        • Employee Health and Wellness program
                        • Community volunteer opportunities
                        • Career development and training opportunitiesEQUAL EMPLOYMENT OPPORTUNITYSavings Bank of Mendocino County is an Equal Opportunity Employer and employment selections are based on merit, qualifications and abilities. Savings Bank of Mendocino County will consider all qualified applicants for employment and does not discriminate in employment opportunities or practices on the basis of: age, race, religion, color, sex, national origin, sexual orientation, gender identity, protected veteran, disability, or any other status protected by law.PHYSICAL & MENTAL DEMANDSThe physical and mental 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.This position is set in a quiet, office environment but includes meeting with customers at their place of business. Noise levels will vary during customer visits based on the type of business and industry. This position is generally regarded as light work. The employee may occasionally exert up to 20 pounds of force, and/or frequently exert up to 10 pounds of force, and/or constantly exert a negligible amount of force to lift, carry, push, pull or otherwise move objects, including the human body. While performing the duties of this job, the employee may be required to alternately stand, walk, sit, reach with their arms, talk or hear and use their hands to write, type, and handle or feel objects, tools or controls. The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading. Some driving will be required.Employee must possess the ability to read, write, perform basic math functions, understand basic communication and instructions, carry out instructions, complete basic problem-solving and analyzing of information, and make independent decisions within scope of responsibility.A post-offer physical is not required for this position.Job Title: Commercial Lender 2Department: LendingReports To: Head of Commercial LendingFLSA Status: ExemptSalary Grade: 22 ($107,601 - $126,589 Annually) DOERevision Date: 01/2021SUMMARYAre you a motivated and high performing individual who has strong people and organizational skills, and a desire to work at a local business dedicated to meeting the financial needs of its customers, validating the investment of its shareholders, and investing its time, money, and expertise to support worthy causes throughout Lake and Mendocino Counties? Savings Bank of Mendocino County has proudly been serving the needs of our communities since 1903 and is seeking a qualified professional for the role of Commercial Lender 2 in the Lending Department. This position involves evaluating and underwriting more complex commercial loan requests including loans to municipalities and non-profits, loans secured by assignments of notes and deeds of trust, SBA 504 loans and all other types of commercial real estate loans; preparing comprehensive credit memorandums for commercial credits up to $3MM; and actively developing new commercial relationships to increase the Bank's loan portfolio and profitability. You will be responsible for a loan portfolio ranging from $40MM to $80MM.The ideal candidate has a minimum of three years direct commercial lending experience. A successful person in this role is self-motivated and willing to proactively assume responsibility for assigned commercial loan relationships. SBMC is excited to add to our team of individuals seeking to fulfill the Bank's vision of Investing in the future as your local independent bank, committed to the prosperity of our communities, employees and shareholders.ESSENTIAL JOB FUNCTIONS & RESPONSIBILITIESTo perform this job successfully, an individual must be able to perform each essential job function satisfactorily. The requirements listed are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
                          • Interview prospective commercial loan applicants and obtain all required information and documents to assess the loan request.
                            • Thoroughly analyze and understand borrower financial statements to assess the borrower's ability to repay the proposed loan.
                              • Prepare comprehensive credit memorandums that adequately address all issues associated with the loan request and present same in a clear and concise manner. This includes more complex commercial loan requests including loans to municipalities and non-profits, loans secured by assignments of notes and deeds of trust, SBA 504 loans and all other types of commercial real estate loans; usually under $3MM.
                                • Approve loans within specified lending limits and present loan requests that exceed those limits to the appropriate committee or Board of Directors for approval.
                                  • Actively engage in business development activities and solicit new business to increase the Bank's loan portfolio.
                                    • Represent the Bank by being actively involved in community activities that provide support to local service clubs and non-profit organizations.
                                      • Under moderate supervision, proactively manage a loan portfolio of $40MM to $80MM.
                                        • Diligently monitor assigned loan portfolio to quickly and accurately identify problem loans and minimize losses to the Bank.
                                          • Complete risk assessment tasks for areas of responsibility or as assigned.
                                            • Other duties as assigned.MINIMUM QUALIFICATIONS
                                              • Associates Degree in a related field or formal commercial lending training such as Hipereon Commercial Lending School or ABA Commercial Lending School
                                              • Five years of direct lending experience; consumer, commercial or mortgage. Three of the five years require direct commercial lending experience that includes knowledge of accounting principles, income tax, finance and loan economics, financial statement analysis, loan structure, loan documentation and regulations
                                              • The ability to register as a Mortgage Loan Originator through the Nationwide Mortgage Licensing System
                                              • An acceptable credit history
                                              • A valid driver's license
                                              • Previous experience with Microsoft Office products including advanced use of Word and ExcelPREFERENCESBachelor's Degree from a four-year college or universityJOB COMPETENCIES
                                                • Reliability: Reliable to report to work on time and with minimal absences.
                                                • Analytical Thinking: Solve problems quickly and effectively using a methodical step-bystep approach to break down complex problems into single and manageable components.
                                                • Customer Service: Provide internal and external customers with high quality customer service that meets their needs in a timely and professional manner; promptly follow up on customer complaints, questions or requests.
                                                • Accountability: Take ownership of and responsibility for your work product and actions in the workplace; transparently communicate progress toward goals; readily admit to errors and seek redress.
                                                • Time Management: Prioritize multiple tasks competing for a finite amount of time and resources to determine the order in which each will be addressed; set goals and timeframes to achieve maximum productivity.
                                                • Teamwork: Work cooperatively and collaboratively with others as part of a formal or informal team to accomplish Bank goals; acknowledge and respect the needs, ideas and contributions of others; constructively contribute to the team and successfully resolve conflict.
                                                • Verbal Communication: Articulate ideas in individual and group settings adjusting style and methods to meet the specific needs of the audience; attentively listen to others to gather information and paraphrase meaning to verify understanding.
                                                • Written Communication: Use correct English grammar, punctuation and spelling; communicate complex information in a succinct and organized manner.
                                                • Sales: Develop new business lending and deposit relationships by making sales calls; cross-sell bank products and services and refer customers to other Bank departments; generate and sustain a pipeline of qualified prospective loan proposals.POSITION BENEFITS
                                                  • Competitive, market-based pay
                                                  • Comprehensive insurance benefits package including medical, dental, vision and more
                                                  • 401(k) plan with maximum 6% employer match
                                                  • Profit Sharing plan
                                                  • Generous paid time off plans
                                                  • Employee Health and Wellness program
                                                  • Community volunteer opportunities
                                                  • Career development and training opportunitiesEQUAL EMPLOYMENT OPPORTUNITYSavings Bank of Mendocino County is an Equal Opportunity Employer and employment selections are based on merit, qualifications and abilities. Savings Bank of Mendocino County will consider all qualified applicants for employment and does not discriminate in employment opportunities or practices on the basis of: age, race, religion, color, sex, national origin, sexual orientation, gender identity, protected veteran, disability, or any other status protected by law.PHYSICAL & MENTAL DEMANDSThe physical and mental 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.

                                                    This position is set in a quiet, office environment but includes meeting with customers at their place of business. Noise levels will vary during customer visits based on the type of business and industry. This position is generally regarded as light work. The employee may occasionally exert up to 20 pounds of force, and/or frequently exert up to 10 pounds of force, and/or constantly exert a negligible amount of force to lift, carry, push, pull or otherwise move objects, including the human body. While performing the duties of this job, the employee may be required to alternately stand, walk, sit, reach with their arms, talk or hear and use their hands to write, type, and handle or feel objects, tools or controls. The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading. Some driving will be required.Employee must possess the ability to read, write, perform basic math functions, understand basic communication and instructions, carry out instructions, complete basic problem-solving and analyzing of information, and make independent decisions within scope of responsibility.A post-offer physical is not required for this position.
                                                    PI180666739

Keywords: Savings Bank of Mendocino County, Santa Rosa , Commercial Lender 1 or 2, Other , Ukiah, California

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