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Actively calls on new and prospective customers, exploring needs and recommending bank products and services that are in the best interest of the customer and that achieve their financial objectives; profiles customers to ensure strong understanding of the total customer financial picture.\ Interviews loan applicants to develop information concerning their businesses, needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk.\ Evaluates the financial condition of the client, the value of the pledged collateral, and the clients management effectiveness.\ Makes decision on loans and terms if within own lending limits.\ Refers loans over loan authority to manager.\ Ensures optimum profitability balanced with acceptable risk.\ Monitors the quality of existing accounts by verifying that assigned accounts conform to contract and policy limits.\ Ensures that necessary documentation is completed and requests additional data as needed.\ Recognizes unfavorable trends and recommends corrective action.\ Confers with manager on difficult or sensitive issues.\ Under management direction, establishes business development, sales, and referral goals.\ Develops a marketing plan using effective sales techniques that will generate additional new commercial loans.\ Maintains personal accountability for sales and service standards and for meeting business development, sales, and referral goals.\ Identifies opportunities to deepen our relationships.\ Identifies clients that are not profitable and aggressively manages the relationship to be a more profitable one.\ Ensures thorough knowledge and understanding of compliance and regulatory issues relating to loan policy and procedures (e.g., CRA, Fair Lending, etc.) evidenced by appropriate application of these regulations in day-to-day operations.