Business Relationship Officer

• Responsible for approved types of Commercial loans, including Commercial Real Estate loans, and follow the Bank’s lending goals, policies and procedures. 
• Interview and counsel existing and prospective customers, on commercial loans and commercial mortgage loans, explain and discuss available options and programs, obtaining financial information and documentation, cross-sell Bank’s financial services or products. 
• Respond to daily inquiries from customers on lending programs, prospective loan packages, meet prospective borrowers, and review loan packages. 
• Provide assistance and guidance to Commercial loan processor(s) and Commercial Pre-closing staff on processing and closing issues.  Coordinate the loan processing of commercial loans and real estate mortgage loan applications under the loan officer’s responsibility.  Maintain and supervise that communication with borrowers and their representatives regarding property/credit/underwriting and processing issues. 
• Underwrite and analyze commercial loan packages based on lending programs, evaluating and reviewing and reviewing the loan documentation, appraisal and environmental reports; assure that the loan package complies with credit, underwriting standards and lending policies.  Prepare and/or assist in the completion of Loan Presentations, including credit and collateral analysis, debt service ratios; Loan Contingencies.  The lending officer must inform the Commercial Loan Department Manager of any material risk factor, discrepancy or deviation discovered during the loan processing, underwriting, credit analysis, due diligence, appraisal, environmental, etc. 
• Prepare Greenlight Memorandums, CAM Request, and CAM Amendments as required to help facilitate the underwriting process. 
• Compliance with several laws and regulations (i.e. RESPA, HMDA-LAR ECOA, FCRA, Flood D.P.A., C.R.A., Fair Housing Act and Fair Lending, OFAC, U.S. Patriot Act, etc.). 
• Supervise, review and sign commitment letters and other administrative-finance issues and operational matters.  Also, the officer is responsible for the accuracy and completeness of the underwriting and analysis and commitment letter. 
• Monitor loan closing, discuss with attorney/closing agents title and contingency problems and other related closing issues. 
• Assist in the loan production and other lending related matters, including but not limited to loan collection and foreclosure, annual audits, internal audits as the government regulators examination. 
• Process and recommend loan assumptions and/or loan refinance through loan modifications.  Also, administer and supervise construction loans, if assigned. 

 Requirements:

• Bachelor’s degree in Finance, Business Administration, or a related field.
• A minimum of 3-5 years of experience in commercial lending or business banking, with specific experience in underwriting and managing commercial loans, including commercial real estate and multifamily loans.
• Proven track record of successfully managing a commercial loan portfolio.
• Knowledge of lending products, processes, and financial regulations.
• Strong understanding of commercial loan underwriting, credit analysis, and loan processing procedures.
• Ability to cross-sell bank products and services effectively.
• Solid understanding of relevant laws and regulations, such as RESPA, HMDA-LAR, ECOA, FCRA, and the U.S. Patriot Act.
• Ability to manage customer relationships, demonstrating a customer-first approach while maintaining profitability for the bank.
• Experience with commercial loan modifications, assumptions, and refinancing.