Commercial Loan Review Officer jobs in Nevada

Reno, NV

JOB SUMMARY

Under direct supervision this position requires connecting with people quickly in an outgoing, friendly manner. This position requires persuasive communication skills to gain the interest and involvement of others in the work process and is an important aspect of the job. This position requires an extreme sense of urgency, combined with getting work done in complete, accurate detail and in accordance with company standards and policies. The motivation for this position comes from a strong sense of duty and a feeling of responsibility for completing work both quickly and correctly. A faster than average work pace is necessary, and follow-up of delegated work must be very thorough. Decision making will be done with the ideas and advice of others, but always carefully and cautiously within the guidelines of established company policy. Selling ideas to others and the ability to train, teach and motivate a team are strong aspects of this position. Change is an ongoing occurrence of this job and must be approached conservatively and with the support and guidance of management.

ESSENTIAL FUNCTIONS

• Responsible for promoting Plumas Bank services, answering questions and directing customers to other personnel when appropriate.
• Maintain a high level of confidentiality with all customer information.
• Conduct interviews with loan applicants, collect and analyze financial and related data to determine the general credit worthiness of the prospect and the merits of the loan request.
• Make decisions on loans and terms within own lending limits or make recommendation to manager or Credit Administration.
• Underwrite loan proposals, process and perform project and financial analysis including borrowers and guarantors, and oversee and approve documentation of new and renewed, noncredit scored, commercial loans and commercial real estate loans. Prepare loan write-ups with a focus on identifying and mitigating credit risks in compliance with Bank loan policies.
• Maintain the loan portfolio regarding any covenant conditions and restrictions (CC&R) requirements, delinquencies, risk ratings and other servicing type issues.
• Provide assistance to outside loan review and federal and state examiners regarding loans to the portfolio.
• Assist Credit Administration, when necessary and when time permits, in transacting other loans or other duties assigned and work with Credit Administration to insure conformity with Bank policy and procedures.
• Answer customer and prospect inquiries regarding commercial and real estate loans.
• Prepare relationship plans and call on existing and prospective clients. Discuss and promote all Bank products and services to establish and maintain total client banking relationships. Discuss financing opportunities and general business.
• Understand, implement and manage local market programs through working with branch managers.
• Maintain an active participation in the community through memberships in service clubs and professional organizations.
• Attend seminars and conferences to keep abreast of current developments in the areas of responsibility and for training/educational opportunities.
• Assist other loan officers with appraisal reviews for loans above $250,000 and below $2,500,000.
• Maintain monitoring system for the status and progress of all loans in process. Act as liaison between all parties (i.e., participating banks, underwriter, internal support staff, broker, title company, appraisal firm, etc.) for coordinating closing in the most efficient manner.
• Perform additional duties as assigned.

MINIMUM QUALIFICATIONS

• Completion of high school or equivalent.
• Bachelor’s degree in business, accounting, finance or related field.

EXPERIENCE: A combination of education and experience equivalent to:

Ten or more years of lending or equivalent experience is required. Business lending experience is preferred with emphasis on the lending needs of the small business sector. Proficient knowledge of general office practices and personal computer operations including work processing, spreadsheet and email software programs.

Equal Opportunity Employer/Veteran/Disabled

Job Type: Full-time

Pay: $95,000.00 - $145,000.00 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Employee assistance program
• Flexible spending account
• Health insurance
• Life insurance
• Paid time off
• Professional development assistance
• Tuition reimbursement
• Vision insurance

Compensation package:

• Bonus opportunities

Payment frequency:

• Paid semi-monthly

Schedule:

• 8 hour shift
• Monday to Friday

Work setting:

• In-person
• Office

Ability to Relocate:

• Reno, NV 89502: Relocate before starting work (Required)

Work Location: In person