Finance Visa Sponsorship Jobs in Florida

GENERAL DESCRIPTION OF POSITION

The Commercial Loan Officer II is responsible for extending credit within the policies and guidelines set forth in the loan policy. This position ensures that all loan decisions, actions, and recommendations are based on an accurate and thorough understanding of each customer's financial needs and conditions and comply with all laws, regulations, and bank policies. The Commercial Loan Officer II must properly administer the creditworthiness and documentation of all loans and/or borrowing relationships originated or assigned to the officer. Further, it is the officer's responsibility to maintain current credit files and proper note and collateral security documents.

In Addition, Each Officer Shall Be Responsible For

- Assigning the proper credit rating to loans as defined in this policy at origination and as conditions may change with the normal credit monitoring process. It is expected that officers should be the first to recognize and report deterioration in the credit quality of a loan or borrowing relationship. Early identification of problem loans is extremely important to minimizing losses.
- Recommending approval and administer workout programs for problem loans.
- Recommending approval and monitor levels of reserves established for loans serviced by the officer.
- Administering the collection process either internally or with bank counsel complying with all laws and regulations.
- Protecting depositors' funds and stockholders' equity.
- Generating earnings for the bank and its stockholders.
- Promoting and maintain a favorable image for the bank.
- Interviewing loan applicants and makes credit decisions.
- Responsible for developing new business and managing existing portfolio.
- Responsible for collecting past due loans, keeping credit and collateral exceptions within policy ranges.
- Manages a portfolio of loans and may coordinate collection efforts.

ESSENTIAL DUTIES AND RESPONSIBILITIES

- Interviews commercial loan applicants. This duty is performed daily, about 10% of the time.
- Examines and evaluates applicants credit and financial history. This duty is performed daily, about 10% of the time.
- Examines/Views collateral (if applicable) to determine adequacy. This duty is performed daily, about 10% of the time.
- Authorizes or recommends approval/denial of applicant. This duty is performed daily, about 10% of the time.
- Approves loan within specified limits or refers to appropriate approval level. This duty is performed daily, about 5% of the time.
- Prepares loan offering memorandum. This duty is performed daily, about 10% of the time.
- Ensures all loan documents are complete, accurate and in accordance with policy. This duty is performed daily, about 5% of the time.
- Closes/Declines loans in a timely manner. This duty is performed daily, about 5% of the time.
- Monitors loan portfolio/performance. This duty is performed daily, about 5% of the time.
- Corresponds with customers. This duty is performed daily, about 10% of the time.
- Recommends changes in risk rating. This duty is performed daily, about 5% of the time.
- Collects past due loan payments. This duty is performed weekly, about 5% of the time.
- Develops potential loan markets and loan prospects. This duty is performed daily, about 5% of the time.
- Completes required BSA/AML training and other compliance training as assigned. This duty is performed annually, about 5% of the time.
- The ability to work in a constant state of alertness and in a safe manner.
- Perform any other related duties as required or assigned.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

EDUCATION AND EXPERIENCE

Broad knowledge of such fields as accounting, marketing, business administration, finance, etc. Equivalent to a four year college degree, plus 5 years related experience and/or training, and 4 years related management experience, or equivalent combination of education and experience.

COMMUNICATION SKILLS

Ability to write reports, business correspondence, and policy/procedure manuals; Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

MATHEMATICAL SKILLS

Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane, algebra, solid geometry and trigonometry.

CRITICAL THINKING SKILLS

Ability to solve practical problems and deal with a variety of known variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, or diagram formats.

REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS

Not indicated.

PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS

Not indicated.

SOFTWARE SKILLS REQUIRED

Intermediate: Spreadsheet, Word Processing/Typing

WORKING CONDITIONS

Somewhat disagreeable working conditions. Continuously exposed to one or two elements such as noise, intermittent standing, walking; and occasional pushing, carrying, or lifting.

ENVIRONMENTAL CONDITIONS

The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the