Commercial Lender

Position Summary

The Commercial Lender is responsible for developing new business, underwriting, structuring and
closing of commercial loans, as well as maintaining and servicing a commercial loan portfolio. The
Commercial Lender will represent the bank in its market area through active participation in
community affairs.

Essential Duties and Responsibilities
The essential functions include, but are not limited to the following:

• Meets with customers and prospects to determine needs and negotiate deals

• Orders revision loan documents, appraisals, and environmental documents as determined (Bo: Move
to Analyst)

• Orders update customer financial statements as needed ( Bo: Move to Analyst and replace “Order”
with “Request”)

• Manages the loan process to include pre-processing steps (ordering title policies, EDR, surveys,
etc.), processing steps (preparation of loan documents and closing coordination), and post-closing
(monitoring and ensuring that the loan is booked and accurate)

• Acts as liaison with various departments; Provides services to commercial customers

• Reviews documentation for renewals and restructures as approved by management

• Arranges loan renewal closings

• Restructures loans

• Effectively processes loan requests under minimum supervision, by obtaining, verifying,
completing, and maintaining the necessary loan documentation

• Conducts research and reviews liens, title searches, and title commitments and works with the
Loan Officer to clear all exceptions (Jill: Keep, Bo: Move to Analyst)

• Processes and completes construction draw, payments, new loans, and renewals ( Bo: “New loans and
draw approvals are for officer, payments are processed by operations”

• Reviews accepted collateral types for appropriate documentation

• Provides support in recording and filing pertinent collateral documents (i.e., Deed of Trusts,
UCCs, Fishing Vessel Mortgages) Bo: Move to Analyst)

• Provides support in maintaining loan files and following up with annual reviews and financial
tracking ( Bo: Move to Analyst)

• Assists other lenders as needed

• Presents credits to the Loan Committee for approval

• Assures customer service is a top priority whether internally or externally, treating customers
and employees professionally, with courtesy, and respect

• Actively sells and promotes the company’s full line of services and products

• Reviews credit memos and loan files to ensure they have all the pertinent information necessary

• Assists Loan Servicing in ensuring all disclosures are completely error-free ( Bo: Review)

• Assists Loan Servicing in creating and proofing loan documents for consumer and commercial loans
(Bo: Remove)

• Reviews loan documents for consumer and commercial loans (Bo: Remove)
Oregon Coast Bank

Minimum Qualifications (Knowledge, Skills, and Abilities)
Physical Demands and Work Environment

The physical demands described here are representative of those that must be met by an employee to
successfully perform the essential functions of this position. Reasonable accommodations may be
made to enable individuals with disabilities to perform the functions. While performing the duties
of this position, the employee is regularly required to talk or hear. The employee frequently is
required to use hands or fingers, handle or feel objects, tools, or controls. The employee is
occasionally required to stand; walk; and reach with hands and arms. Prolonged periods sitting at a
desk and working on a computer. The employee must occasionally lift and/or move up to 15 pounds.
Specific vision abilities required by this position include close vision, distance vision, and the
ability to adjust focus. The noise level in the work environment is usually low to moderate.

This job description in no way states or implies that these are the only duties to be performed by
the employee(s) incumbent in this position. Employees will be required to follow any other
job-related instructions and to perform any other job-related duties requested by any person
authorized to give instructions or assignments. All duties and responsibilities are essential
functions and requirements and are subject to possible modification to reasonably accommodate
individuals with disabilities. To perform this job successfully, the incumbents will possess the
skills, aptitudes, and abilities to perform each duty proficiently. Some requirements may exclude
individuals who pose a direct threat or significant risk to the health or safety of themselves or
others. The requirements listed in this document are the minimum levels of knowledge, skills, or
abilities. This document does not create an employment contract, implied or otherwise,
other than an “at will” relationship.