Kansas City, Missouri, United States
Develop a targeted calling program to identify small business prospects and solicit new deposit and loan relationships. Expand product mix of existing customer base. Develop referral networks to identify new prospects. Solicit business owners' and employees' personal banking relationships. Assist Branch Managers and the Retail Group Manager to attract, expand and service small business banking relationships assigned to the branches.
•Spread financial statements for commercial loans using Moody’s Risk Analyst. •Prepare written reports for loan committee, including financial analysis of prospective and current commercial business clients addressing liquidity, leverage, sales & expenses, cash flow and debt service. •Assess performance and risk involved in making new loans and renewing existing loans and risk rating credits.
•Spread financial statements for commercial loans using Baker Hill software. •Analyze financial statements, tax returns, and credit bureau reports of existing and prospective customers for loan requests and include conclusions in credit request. •Research industry, history & management of existing and prospective commercial clients and include in loan report. •Determine borrowers’ repayment ability through cash flow analysis as well as bank’s collateral position. •Perform appraisal review and quarterly loan review. •Update quarterly Naics code report, problem loan reports, and monthly Asset Quality report. •Track financial statements. •Attend weekly loan committee meetings and prepare loan committee minutes. •Fulfill credit reference requests for bank’s customers.
•Filed notes in loan vault and loan documents, financial statements, and other essential papers needed to process a loan. •Audited loan coupons, send out ODP notices, ordered loan coupons for loan customers, and filed NOSI’s online. •Made real estate and HELOC packets for potential customers.