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- Tasks: Develop and manage a portfolio of commercial loan clients while analysing financial data.
- Company: Join a dynamic financial institution focused on growth and client relationships.
- Benefits: Enjoy competitive pay, flexible hours, and opportunities for professional development.
- Why this job: Make a real impact by helping businesses thrive through tailored lending solutions.
- Qualifications: Bachelor's degree in Finance or related field with 3+ years in commercial lending required.
- Other info: This role offers a chance to work with diverse clients and enhance your financial expertise.
The predicted salary is between 36000 - 60000 £ per year.
We are seeking a motivated and results-driven Commercial/Ag Loan Officer to join our team. The ideal candidate will be responsible for developing and maintaining strong relationships with business clients, analyzing financial data, and providing tailored lending solutions. This role requires a deep understanding of lending practices, excellent communication skills, and the ability to identify opportunities for business growth.
Key Responsibilities:- Develop and manage a portfolio of commercial loan clients.
- Evaluate loan applications, analyze financial statements, and assess creditworthiness.
- Structure loan terms that align with the needs of both the client and the financial institution.
- Maintain knowledge of current lending regulations, industry trends, and market conditions.
- Build and maintain relationships with business owners, real estate developers, and investors.
- Collaborate with internal departments to ensure smooth loan processing and approvals.
- Negotiate loan terms and manage the closing process efficiently.
- Monitor existing loan accounts and proactively address any risks or issues.
- Identify and pursue opportunities for cross-selling additional financial products and services.
- Ensure compliance with all company policies, state, and federal regulations.
- Bachelor's degree in Finance, Business, Economics, or a related field.
- 3+ years of experience in commercial lending, banking, or financial services.
- Strong knowledge of loan underwriting, risk assessment, and credit analysis.
- Excellent communication, negotiation, and relationship management skills.
- Ability to work independently and meet sales and performance goals.
- Proficiency in financial software and loan management systems.
- Detail-oriented with strong analytical and problem-solving skills.
Commercial/Ag Loan Officer employer: Nichols College
Contact Detail:
Nichols College Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Commercial/Ag Loan Officer
✨Tip Number 1
Network with professionals in the finance and banking sectors. Attend industry events, webinars, or local meetups to connect with potential colleagues and clients. Building relationships can lead to referrals and insights about job openings.
✨Tip Number 2
Stay updated on current lending regulations and market trends. Subscribe to financial news outlets or join relevant online forums. This knowledge will not only help you in interviews but also demonstrate your commitment to the field.
✨Tip Number 3
Prepare for interviews by practising common questions related to commercial lending and relationship management. Use role-playing with a friend or mentor to refine your responses and boost your confidence.
✨Tip Number 4
Showcase your analytical skills by discussing specific examples of how you've evaluated loan applications or structured deals in past roles. Highlighting your experience with financial data will set you apart from other candidates.
We think you need these skills to ace Commercial/Ag Loan Officer
Some tips for your application 🫡
Understand the Role: Before applying, make sure you fully understand the responsibilities of a Commercial/Ag Loan Officer. Familiarise yourself with key terms like loan underwriting, risk assessment, and credit analysis to demonstrate your knowledge in your application.
Tailor Your CV: Customise your CV to highlight relevant experience in commercial lending or financial services. Emphasise your skills in relationship management, financial analysis, and any specific software you are proficient in that relates to the role.
Craft a Compelling Cover Letter: Write a cover letter that showcases your motivation for the role and how your background aligns with the company's needs. Mention specific examples of how you've successfully managed client relationships or structured loan terms in the past.
Proofread Your Application: Before submitting, carefully proofread your application materials. Check for any spelling or grammatical errors, and ensure that all information is clear and concise. A polished application reflects your attention to detail, which is crucial in this role.
How to prepare for a job interview at Nichols College
✨Know Your Financial Stuff
Make sure you brush up on your knowledge of lending practices, financial analysis, and credit assessment. Be prepared to discuss specific examples from your past experience that demonstrate your expertise in these areas.
✨Build Rapport with Interviewers
Since this role involves relationship management, show your interpersonal skills during the interview. Engage with your interviewers, ask questions about their experiences, and express genuine interest in the company and its clients.
✨Prepare for Scenario Questions
Expect to be asked how you would handle various situations, such as evaluating a risky loan application or negotiating terms with a difficult client. Think through potential scenarios and have structured responses ready to showcase your problem-solving abilities.
✨Stay Updated on Industry Trends
Demonstrate your commitment to the field by discussing current lending regulations and market conditions. This shows that you are proactive and knowledgeable, which is crucial for a Commercial/Ag Loan Officer.
