Commercial Loan Officer

Capitol Bancorp Limited is a uniquely structured affiliation of small community banks. Each bank, which typically has only one location, is focused on meeting the banking needs of entrepreneurs, professionals and other individuals seeking individually-tailored service. Each bank has full local decision-making authority in making loans and delivery of other banking services. Each bank is managed by an on-site president and management team under the direction of its local board of directors.Napa Community Bank in Napa, California, is currently looking for an experienced Commercial Loan Officer to be responsible for managing a portfolio of loans which meet established lending requirements, and which provide maximum profitability for the Bank with a minimum of risk. The qualified candidate will solicit and develop all types of business activity, specializing in commercial loan relationships. Through the loan function, the incumbent is expected to generate deposits and income fees for the Bank.ESSENTIAL FUNCTIONS AND JOB RESPONSIBILITIES Develops and manages moderately complex loan accounts; interviews loan applicants, collects and analyzes information which reflects the current credit worthiness of customers and the current merits of existing loans. Information may be obtained in a variety of methods, including inspection of the applicant’s business and/or collateral, review of financial reports, personal interview, etc. Prepares loan presentations.
Establishes, and negotiates where necessary, the terms under which credit will be extended, including the costs, repayment method and schedule and collateral.
Approves loans up to stated lending limit and in general, handles the moderately complex loans of the Bank.
Monitors loan repayment activities and takes necessary action to collect past due accounts.
Represents the Bank with business, trade associations and customers; promotes the Bank’s image as a good corporate citizen.
May participate in community and business functions and determine the various depository and credit needs of the Bank’s market area to ensure that Community Reinvestment (CRA) objectives are being met.
May supervise Loan Processing staff.
May perform related duties as assigned or as the situation dictates.OTHER DUTIES AND RESPONSIBILITIES Assists with documenting loans to ensure complete loan files are maintained; works with customers and loan accounting/payment issues as needed.
Napa Community Bank is proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing.
REQUIREMENTS
Skills/Equipment A high level of interpersonal skills to communicate effectively throughout the Bank and to represent the Bank positively to the public and to cultivate working relationships with current and potential commercial loan accounts.
Under general supervision, analyze and evaluate areas of responsibility including determination of loan risk involved and recommendation of credit limitations.
Familiar with Excel and Microsoft Word. Good written and verbal skills.
A thorough knowledge of all banking services.Training/Preparation Required A technical level of knowledge normally acquired through completion of a program in business administration, finance and/or related area.
Experience with SBA loans a plus