Commercial Lender
Apply NowCompany: Unity Bancorp, Inc
Location: Pierz, MN 56364
Description:
Job Title: Commercial Relationship Manager/Commercial Lender
You are a valued part of our Unity Experience.
Our employees embrace ideas, share openly and honestly, and believe in meaningful work for all. We are innovative, we encourage, we collaborate, we are authentic, and we live in a care culture. Our work environment is a trust-based, collaborative, open, transparent workspace where our bankers feel good and do good. Each employee builds their own sense of pride and ownership for what we do, taking responsibility for their roles and duties. Employee engagement and customer experience are always at the forefront of all we do.
At Unity Bank, we are proud to be a community bank, at the heart of every community we serve. We feel strongly that when our customers choose Unity Bank, our customers are investing in and strengthening our communities; funding local farmer's seeds, opening doors on main street, and unlocking opportunities for our neighbors.
Every customer is unique. We value each conversation. We listen to our customers; we are curious, and we connect. We build relationships. We aspire to deliver high quality personalized service that our valued customers need and want. We feel the deep understanding and passion to deliver solutions that truly make a difference. We help people achieve their dreams. We share our Unity Experience with all.
Primary job functions:
Develops new business for the bank by diligently asking for referrals and prospective client contact information from Centers of Influence and existing customers.
Utilizes professional judgement to determine which potential borrowers represent good risk opportunities for the Bank.
Maximizes the bank's profitability through appropriate pricing on new loan originations and renewals, fee income and selling of all bank products and services. This would include negotiating terms and structure and presenting credit for approval to appropriate levels of authority within the bank.
Proactively engages in the Bank's sales management/performance process (pre-call plans, lead management, sales meetings, check-ins, coaching, etc.)
Minimizes loan losses and exceptions through effective documentation, underwriting, timeliness of renewals and collection efforts, and relationship building.
Responsible for managing delinquencies, work-outs, collections and foreclosure activities and will work with the Chief Credit Officer on larger credits, as required.
Works collaboratively with loan operations, credit analyst and other support to collect all pertinent information required for the loan presentation and to monitor the existing portfolio.
Acquires and maintains knowledge of regulatory, compliance, and internal audit/control requirements for the Personal Banker role. This would include completing all required training, assigned, in a timely manner, related to the job function.
Benefits: 401(k), 401(k) matching, Dental insurance, Disability insurance, Employee assistance program, Health insurance, Health savings account, Life insurance, Paid time off, Vision insurance.
Working Conditions: Bank/office environment, secure, comfortable working conditions. Will be required to travel to meet with customers, and/or visit other branch offices, and other facilities.
Unity Bank is an Equal Opportunity Employer
You are a valued part of our Unity Experience.
Our employees embrace ideas, share openly and honestly, and believe in meaningful work for all. We are innovative, we encourage, we collaborate, we are authentic, and we live in a care culture. Our work environment is a trust-based, collaborative, open, transparent workspace where our bankers feel good and do good. Each employee builds their own sense of pride and ownership for what we do, taking responsibility for their roles and duties. Employee engagement and customer experience are always at the forefront of all we do.
At Unity Bank, we are proud to be a community bank, at the heart of every community we serve. We feel strongly that when our customers choose Unity Bank, our customers are investing in and strengthening our communities; funding local farmer's seeds, opening doors on main street, and unlocking opportunities for our neighbors.
Every customer is unique. We value each conversation. We listen to our customers; we are curious, and we connect. We build relationships. We aspire to deliver high quality personalized service that our valued customers need and want. We feel the deep understanding and passion to deliver solutions that truly make a difference. We help people achieve their dreams. We share our Unity Experience with all.
Primary job functions:
Develops new business for the bank by diligently asking for referrals and prospective client contact information from Centers of Influence and existing customers.
Utilizes professional judgement to determine which potential borrowers represent good risk opportunities for the Bank.
Maximizes the bank's profitability through appropriate pricing on new loan originations and renewals, fee income and selling of all bank products and services. This would include negotiating terms and structure and presenting credit for approval to appropriate levels of authority within the bank.
Proactively engages in the Bank's sales management/performance process (pre-call plans, lead management, sales meetings, check-ins, coaching, etc.)
Minimizes loan losses and exceptions through effective documentation, underwriting, timeliness of renewals and collection efforts, and relationship building.
Responsible for managing delinquencies, work-outs, collections and foreclosure activities and will work with the Chief Credit Officer on larger credits, as required.
Works collaboratively with loan operations, credit analyst and other support to collect all pertinent information required for the loan presentation and to monitor the existing portfolio.
Acquires and maintains knowledge of regulatory, compliance, and internal audit/control requirements for the Personal Banker role. This would include completing all required training, assigned, in a timely manner, related to the job function.
Benefits: 401(k), 401(k) matching, Dental insurance, Disability insurance, Employee assistance program, Health insurance, Health savings account, Life insurance, Paid time off, Vision insurance.
Working Conditions: Bank/office environment, secure, comfortable working conditions. Will be required to travel to meet with customers, and/or visit other branch offices, and other facilities.
Unity Bank is an Equal Opportunity Employer