Loan Officer II

Analyze cash flow, liquidity, profitability, leverage, and financial ratios to evaluate collateral and credit information. Prepare loan presentations identifying borrower strengths and weaknesses, then recommend or deny loan requests per banking regulations and policies. Gather documents to perfect security interests, monitor loan covenants, and detect early warning signs of problem loans by notifying supervisors immediately. Assist in loan closing and funding, obtain signatures on documents, and collect account and overdraft information. Conduct site visits and on-site interviews under supervision, meet customers to grow relationships, and report suspicious activities. Mentor junior lending staff and participate in community events to meet CRA objectives.