Commercial Lender - Healthcare

Job description

Altius Search Group is recruiting for a Commercial Loan Officer position for one of our clients in the Financial Services Industry. This position will be responsible for commercial loan business development in the National Healthcare Lending business unit, specifically to Federally Qualified Health Centers (FQHC) and & not-for-profit community health centers.

Job Duties/Responsibilities:

  • Develop a new commercial loan customer base and develops new business from referral sources, designated marketing efforts, and through cold calling efforts. Properly structures and successfully negotiates loan transactions with customers and prospects within accepted risk tolerance levels.
  • Engages with management and/or partners to establish and execute the appropriate activities, tactics and strategies to generate, identify and pursue new opportunities and successfully close the sale. Engages the appropriate internal partners either to refer to or assist in closing business
  • Identifies prospective clients and/or referral sources through education/positioning of bank capabilities to generate awareness, deliver solutions and drive new revenue. Develops the most complex and sophisticated new client opportunities. Provides portfolio and/or relationship management services to clients.
  • Creates a differentiator and competitive advantage in the markets we serve by becoming industry expert.
  • Effectively cross-sells all bank loan, deposit, treasury management and electronic products.
  • Manages daily overdrafts, provides quality customer service and answer customer inquiries or directs/refers them to appropriate personnel/third-party vendors.
  • Manages loan renewals, collection efforts on all past due loans and loans in default in a timely manner and maintain a high level of asset quality within a designated portfolio.
  • Reports to Management issues, new developments, market conditions as needed.
  • Receives, previews, and conducts initial viability analysis on loan applications and related documents. Ensures that applications are complete as to core requirements and all other initial items have been received or requested prior to submission to underwriting.
  • Reviews and presents loan presentations to supervisor, provide review of loan documents, and provide final review of all other related loan documentation and closing items.
  • Follows-up with the customer or designated representative whenever the customer/representative provides an inadequate response, insufficient information, or does not respond in a timely manner to personnel through the underwriting and closing process as well as ongoing portfolio management.
  • Maintains database software pipeline to record calling and sales efforts.
  • Ensures electronic loan files are properly documented and maintained.
  • Prepares management reports as needed.
  • Bachelor’s Degree (B.S.) from four-year college or university; 5-10 years related credit experience or equivalent combination of education and experience
  • At least 5-10 years of relevant commercial credit experience that includes lending to FQHCs and/or not-for-profit community health centers, preferably in a bank or commercial finance company environment
  • Customer service and sales skills
  • Credit analysis experience
  • Loan documentation skills

Requirements

Required Experience/Skills:

  • Bachelor’s Degree (B.S.) from four-year college or university; 5-10 years related credit experience or equivalent combination of education and experience
  • At least 5-10 years of relevant commercial credit experience that includes lending to FQHCs and/or not-for-profit community health centers, preferably in a bank or commercial finance company environment
  • Customer service and sales skills
  • Credit analysis experience
  • Loan documentation skills
  • Organizational skills and detail oriented
  • Time management skills
  • Negotiation skills