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Vice President/Commercial Loan Officer/Business Development Officer


Maintains client relationships with bank customers to ensure retention of accounts. Expends considerable effort on business development activities to generate new customers for the banks loan and deposit products and services while adhering to established bank lending policies and regulations.




Duties and Responsibilities:


Establish and follow a proactive and aggressive sales and business development plan.

Develop new loans and manage existing loan portfolio pricing for maximum profitability and ensuring minimum loss risk.

Maintain an ongoing business development program in order to assist existing customers and solicit new customers to the bank.

Interviews loan applicants, collects and analyzes financial and related data to determine the general credit-worthiness of the prospect and the merits of the specific loan request.

Establishes and negotiates terms under which credit will be extended, including costs repayments method, schedule and collateral requirements.

Obtains information through direct inspection of the applicants business and/or collateral; review of interim financial reports; personal interview and other means.

Monitors and maintains loan portfolio, loan repayment activities and takes necessary action to collect from past-due accounts.

Completes loan contracts by explaining provisions to applicant; obtaining signatures and notarizations; collecting fees.

Develops new business by contacting prospects and customers; cross-sells Bank services.

Maintains customer confidence by keeping loan information confidential.

Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations and participates in community affairs to increase the Bank’s visibility and to enhance new business opportunities.

Prepares credit/loan memorandum and credit analysis.

Prepares loan commitment letter advising borrower of specific terms, rates, collateral and conditions; to include costs under which the loan may be granted.

Generates requests for loan documents including title searches, appraisals, etc., in order to protect Bank’s interest; close loan, schedule meeting to sign loan documents.

Develops new deposit account relationships by telemarketing, mail referrals and personal calls.




  Minimum five (5) years experience in commercial lending with a proven track record in business development. Knowledge of commercial and consumer lending, Principals of Management, familiar with Bank regulations pertaining to lending, debt collections, Financial Software, Customer Service, Thoroughness, Confidentiality, Analyzing Information, Decision Making, Verbal Communication, Professionalism and Quality Focus.  
Medical, Dental, Vision, GTL, LTD, EAP and 401 K Plan.  


To learn more about Premier Service Bank and to find out how you can become part of the our team, please contact:


Human Resources Department

Premier Service Bank

3637 Arlington Ave
Suite B
Riverside, CA 92506


Contact HR by email



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