Audra Dalsoren

Vice President - Commercial Banking Officer @One Community Bank

Develops commercial lending portfolios, client relationships, and ensures that applicable bank lending policies and practices are followed. Works to achieve a fair rate of return, while minimizing the risk to the Bank. Develop and maintain a commercial oriented portfolio. Essential Duties and Responsibilities include the following: Serves the client by analyzing the potential of the client and justifying the risk associated with each credit. Be involved with the community through civic activity, service organizations, and professional associations to develop new business and enhance the Bank\'s image. Provides superior customer service to clients with regard to loans, Treasury and other banking products - actively cross-selling of all bank products. Assists with commercial lending policies and operating procedures that are consistent with overall bank policies and operations objectives. Assists with the establishment of interest rate guidelines, fees, and other charges that harmonize with overall bank policies and are competitive and profitable for the Bank. Interviews commercial loan clients and takes applications while advising the client of the Bank\'s lending criteria. Analyzes financial statements and spreads including adequacy of income and sufficiency of collateral when required. Makes on-site visits to client\'s business to analyze the management of the business for potential credit risk. Monitors loan performance, loan agreements, financial statements, and monitors the collateral. Actively calls on customers outside the Bank and maintains continual follow-up to promote the Bank and Bank products. Handles all questions regarding government sponsored SBA and other loan products offered by the bank.