Commercial Lender

• Cultivate new business opportunities through proactive financial sales efforts and networking within the community.
• Conduct comprehensive credit analyses by evaluating financial statements, credit reports, and collateral to assess borrower risk.
• Prepare and present loan proposals by utilizing underwriting principles, FNMA guidelines (Federal National Mortgage Association), and other relevant standards.
• Negotiate loan terms, interest rates, and contracts with clients to achieve mutually beneficial agreements while ensuring compliance with Fair Housing regulations and TILA (Truth in Lending Act).
• Manage the entire loan process from origination through processing, including documentation review, escrow coordination, and mortgage servicing activities.
• Utilize financial software such as Quicken and other banking systems to track loans, perform basic math calculations, and maintain accurate records.
• Ensure adherence to all regulatory requirements related to banking, mortgage origination, loan processing, and fair lending practices.

Experience

• Proven experience as a loan officer or in a similar financial services role with a focus on commercial lending.
• Strong background in credit analysis, underwriting, and loan structuring within banking or mortgage industries.
• Familiarity with FNMA guidelines, mortgage servicing procedures, escrow processes, and contracts management.
• Proficiency in accounting software, financial software tools like Quicken, and 10-key typing skills for efficient data entry.
• Demonstrated ability to negotiate effectively while maintaining excellent customer service standards.
• Knowledge of fair housing regulations and compliance requirements related to mortgage lending.
• Basic math skills essential for credit evaluation and loan calculations; experience with TILA regulations is preferred. Join us to make an impact in the financial industry by delivering exceptional service while advancing your career in commercial lending!