Commercial Lender Trainee

FUNCTION:

Underwrite and analyze commercial loan requests. Provide an unbiased presentation to enable management to make informed credit decisions. Gradually transition to a Business Banker with responsibility for monitoring, managing, and developing commercial relationships (see Training Development Framework)

GENERAL DUTIES AND RESPONSIBILITIES:

1. Perform various duties involved with the credit analysis function on all credit relationships as assigned. Develop information for use by the Relationship Managers, Loan Committee, and Board Loan Committee for the purpose of making decisions on new and existing loans. These duties include, but are not limited to:
   
   
   
   • Collect and analyze credit information from all available sources, including in-house, other financial institutions, various agencies, etc.
   
   
   • Analyze financial statements and all related material, in part, through use of spreading software.
   
   
   • Attend and participate in customer calls with the Relationship Managers, including the documenting of calls, when appropriate.
   
   
   • Development and preparation of credit presentations to document credit files and provide the Relationship Managers and/or QNB Loan Committee and Board Loan Committee with the information necessary to make informed credit decisions.
   
   
   
   


2. Monitor progress log for all scheduled annual reviews and insure completion of such reviews within the set time parameters.


3. Assist in developing new procedures and programming to enhance automation and efficiency.


4. Work directly with other departments to facilitate workflow.


5. Progress through the Training Development Framework (below). Master required essential skills in a reasonable timeframe as determined by the Credit Department Manager.


6. Adhere to policy and compliance requirements in all credit analysis, portfolio management and lending responsibilities.


7. After completion of Phase I, begin to shadow lending staff in meeting with current and prospective clients to assess the specific customer needs and aid in the development/delivery of solutions designed to meet those needs.


8. Document customer calls, status of accounts, and action plans.


9. Represent the bank in a professional manner and participate in appropriate civic and community functions to enhance the bank's image. Examples include accountant/attorney groups, Chambers of Commerce, Kiwanis, Lions, RMA and PBA.


10. Completes assigned compliance training in a timely manner and demonstrates ability to apply training to their duties and responsibilities.


11. Assumes additional responsibilities as requested.