Responsible for evaluating potential purchases, negotiating the contract terms and/or purchase price, developing strategies for future acquisitions, producing and maintaining reports, and managing records.

Responsible for the attraction and development of new business relations through the sale of commercial loans, commercial deposits, cash management services, POS as well as investment and insurance referrals. Sell financial institution products and services, focused on Professional and PYMES clients. Responsible for business sales goals achievement which consists of deposits, business credit, cash management and POS.Implement effective strategies to support the acquisition of profitable customers and identifying their financial needs in order to advise and offer commercial lending products.Continuously focused on developing new business relationships while making referrals to other units.Analyzes and prepares loan requests for small commercial loans following Bank’s Commercial Credit Policy and supporting credit and risk personnel to comply with these policies.Follows the official guides for interest rates and service charges in interactions with customers and prospects.Maintains and enhances information base on local and national economics, as well as other concerns that would impact the financial institution’s lending activities.Makes recommendations to management on client’s product improvements or changes.

Review, interpret and analyze loan applicants credit histories, income and asset profiles, tax returns, financial statements, and other complexfinancial information to make quality decisions on loan requestsRespond to all incoming closing questions regarding conditions and/or specific file issues to ensure immediate resolution for the Closer.Perform all data entry functions related to underwriting into the loan origination system of record for the Company.Utilize in-depth knowledge of requirements for underwriting default loans to review loan files and mitigate risk for the Company.Record thorough documentation of loan status and other relevant information in loan origination system.

Analyze credit reports and associated documentation, analyzes appraisals, qualifies and classifies loans according to company guidelines.Review and verify income statements, tax returns and other financial documents to develop a borrower's profile and arrive at a creditrecommendation.Interact with Quality Control, Compliance, and funding for problem resolution, risk evaluation and compliance concerns, as needed.Run DU/LP to ensure ratios match with LOS system of record.Analyzes situations where several alternative approaches exist, requiring the use of independent judgment within the established Underwritingpolicies and procedures.Establish, maintain, and update files, databases, records, and/or other documents for recurring internal reports.

Conduct financial needs analysis to recommend and promote bank products to meet client needs.Deliver information sales presentations to potential clients and assist through completion of application process while strengthening clientrelationships.Both educate and sell clients on a variety of financial products including Mutual Funds, Annuities, Retirement Plans and Life Insurance.Market investment products through community outreach to increase financial product sales at home branch.

Proactively solicit new residential mortgage business and sell Bank of America mortgage products meeting established loan quality andproduction goals.Continually identify, develop and maintain a quality network of business relations that serve as a recurring source of referrals for newmortgage lending opportunities.Respond to customer inquiries and referrals conducting interviews with potential borrowers, analyzing financial and credit data,determining customer’s financial objectives and matching these objectives with an applicable mortgage product.Ensure exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatoryrequirements.

Assessed customer’s financial needs and provided product recommendations.Acquired, retained and expanded new and existing relationships through the sale of bank products.Maximized the depth and profitability of the customer's relationship through bank products and services.