Account Manager

• Seeking, negotiating, underwriting, and coordinating the closing of major and complex commercial, commercial real estate, SBA, equipment, and some consumer loans in compliance with the Bank’s lending policies and procedures.
• Maintaining/acquiring relationships with existing and potential customers; visiting sites of loans; negotiating loan terms and conditions; approving loans within established lending limits or referring and recommending acceptance to the Chief Credit Officer or Loan Committee.
• Directly responsible for meeting annual deposit and loan growth goals assigned by Senior Management.
• Participating with Senior Management in developing, analyzing, and finalizing complex loan agreements with representatives of large businesses.
• Interviewing prospective applicants and requesting all documentation/information related to loan or credit application.
• Performing pre-qualification assessments and analysis of financial condition and risk of financing requests within the framework of bank credit culture and current economic and industry trends from applicants.
• Gathering and analyzing all information necessary to present a financing request to Senior Management or Loan Committee for approval.
• Coordinating processing of approved loans; ensuring loans are processed according to the agreement, and customer needs and conforms to bank lending policies.
• Ensuring that credit inquires and UCC filings are researched to determine credit worthiness and appropriate collateral positioning.
• Updating and corresponding with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken.
• Providing leadership and training to loan officers and other staff members.
• Various duties as assigned.

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