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About the Role

Develop, originate, manage, and underwrite commercial & industrial loans and commercial real estate loans exceeding $1,000,000.00, ensuring profitability and minimizing risk.

Responsibilities

• Interview loan applicants and analyze financial data to assess creditworthiness and loan request appropriateness.
• Establish and negotiate loan terms, including pricing, structure, repayment, and collateral, in line with Bank policies.
• Meet established loan production, deposit, and fee income goals.
• Participate in community activities to enhance Bank visibility and business opportunities.
• Develop analysis and Credit Memorandums for loan request approval.
• Monitor loan portfolio for repayments, manage collections for past due accounts, and conduct annual reviews.
• Conduct site visits with Borrowers and promote customer relations.
• Participate in sales meetings and blitzes.
• Cross-sell Bank products and services.

Requirements

• Bachelor’s Degree in Business/Economics/Accounting or Finance, or equivalent work experience.
• 5-10 years of Commercial Lending experience required.

Skills

• Accounting and financial skills
• Strong analytical skills
• Strong banking and legal knowledge
• Advanced understanding of commercial loan documentation
• Strong personal computer skills
• Strong interpersonal skills

Location

• Non-confined office setting

Work Type

• Full-time

Experience Level

• 5-10 years

Education Level

• Bachelor's Degree

About the Company

• Orange Bank and Trust Company is committed to a policy of Equal Employment Opportunity.

Equal Opportunity

• Will not discriminate against an applicant or employee on the basis of age, sex, sexual orientation, race, color, creed, religion, ethnicity, national origin, alienage or citizenship, disability, marital status, military or veteran status or any other legally-recognized protected basis under federal, state or local laws, regulations or ordinances.
• Individuals with disabilities may be entitled to a reasonable accommodation upon request.
• Reasonable accommodation is a change in the way things are normally done that will ensure an equal employment opportunity without imposing an undue hardship on the bank.
• Inform Human Resources if assistance is needed completing forms, participating in the application process, or performing essential job functions.