ppNaplesbr/3021 Airport Pulling Rd Nbr/Naples, FL 34105, USA /p pNaplesbr/3021 Airport Pulling Rd Nbr/Naples, FL 34105, USA /p pThe Commercial Loan Officer III is responsible for extending credit within the policies and guidelines set forth in the loan policy and ensuring 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 policy. This position 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. /p pIn addition, each officer shall be responsible for: /p ul liA. 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 minimize losses. /li liB. Recommending approval and administering workout programs for problem loans. /li liC. Recommending approval and monitoring levels of reserves established for loans serviced by the officer. /li liD. Administering the collection process either internally or with bank counsel, complying with all laws and regulations. /li liE. Protecting depositors' funds and stockholders' equity. /li liF. Generating earnings for the bank and its stockholders. /li liG. Promoting and maintaining a favorable image for the bank. /li liH. Interviewing loan applicants and making credit decisions. /li liI.



Responsible for developing new business and managing existing portfolio. /li liJ. Responsible for collecting past due loans keeping credit and collateral exceptions within policy ranges. /li liK. Manages a portfolio of loans and may coordinate collection efforts. /li /ul bESSENTIAL DUTIES AND RESPONSIBILITIES /b ol li1. Interviews commercial loan applicants. /li li2. Examines and evaluates applicant’s credit and financial history. /li li3. Examines/Views collateral (if applicable) to determine adequacy. /li li4. Authorizes or recommends approval/denial of applicant. /li li5. Approves loan within specified limits or refers to appropriate approval level. /li li6. Prepares loan offering memorandum. /li li7. Ensures all loan documents are complete, accurate and in accordance with policy. /li li8. Closes/Declines loans in a timely manner. /li li9. Monitors loan portfolio/performance. /li li10. Corresponds with customers. /li li11. Recommends changes in risk rating. /li li12. Collects past due loan payments. /li li13. Develops potential loan markets and loan prospects. /li li14. Completes required BSA/AML training and other compliance training as assigned. /li li15. The ability to work in a constant state of alertness and in a safe manner. /li li16. Perform any other related duties as required or assigned. /li /ol bQUALIFICATIONS /b pTo 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. /p bEDUCATION AND EXPERIENCE /b pBroad knowledge of such fields as accounting, marketing, business administration, finance, etc. Equivalent to a four year college degree, plus 6 years related experience and/or training, and 5 years related management experience, or equivalent combination of education and experience. /p bCOMMUNICATION SKILLS /b pAbility 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. /p bMATHEMATICAL SKILLS /b pAbility to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane, algebra, solid geometry and trigonometry. /p bCRITICAL THINKING SKILLS /b pAbility 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. /p bREQUIRED CERTIFICATES, LICENSES, REGISTRATIONS /b pNot indicated. /p bPREFERRED CERTIFICATES, LICENSES, REGISTRATIONS /b pNot indicated. /p bSOFTWARE SKILLS REQUIRED /b pIntermediate: Spreadsheet, Word Processing/Typing /p bRESPONSIBILITY FOR WORK OF OTHERS /b pCarries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities may include but not limited to interviewing, hiring and training employees; planning, assigning and directing work; appraising performance, rewarding and disciplining employees; addressing complaints an

📌 Commercial Loan Officer III (Italia)
🏢 CEN
📍 Italia