Patrick Murray

Background

About Patrick Murray

Responsible for developing new loan business in addition to servicing existing production agricultural and real estate customers while applying sound credit administration procedures in processing loan applications, analyzing records, evaluating collateral, setting loan terms and conditions, and in establishing overall loan workability. Essential Functions: 1.Assist with credit needs of new and current borrowers by formulating solutions to credit related issues. 2.Originate and service loans within delegated authority and in accordance with association policies. Make and/or convey approvals, structure and pricing lending decisions. Exercise credit risk management on loans under your responsibility. 3.Conduct and interpret simple to complex credit analyses. Analyze balance sheets, income statements, and cash flows of new and current borrowers to ascertain creditworthiness. Obtain current and adequate financial information on borrowers and guarantors as required by association policy. 4.Perform loan-servicing tasks, which may include partial releases, subordinations to mineral leases and right of ways, division orders, re-amortizations, and assumptions. 5.May collect an assigned loan and assist management with collection activity within responsible lending portfolio. Work with delinquent borrowers to obtain satisfactory loan performance. 6.May assist with title examination steps of prospective real estate loans to ensure validity of liens on property pledged as collateral or security interest on chattels. 7.Possess excellent public and member relations skills as well as good oral and written communication skills. Strong marketing skills a plus.