Website Confidential Bank
Duties
As our Loan Officer, you will generate quality loans and build full relationships with loan customers that include referrals for other Bank products and services:
- Actively participate in new business development program.
- Interview applicants for commercial, Ag and consumer loans and negotiate credit terms such as
costs, loan repayment methods and collateral specifications. - Structure and analyze new and renewed loan requests and make loans within lending authority.
- Close loans, complete file documentation, and maintain files.
- Manage all aspects of an assigned portfolio of loans and relationships.
- Monitor compliance with loan policies and appropriate regulations.
- Collect past due loans or work with Loss Mitigation staff in collection of delinquent accounts.
- Send financial statements to credit analysts for spreading and analysis.
- Handle customer service matters and inquiries for lending and non-lending issues. Advise and assist
commercial loan staff with resolutions for customers with difficult issues. - Provide informal training and guidance for less experienced lenders.
- Participate in community activities and organizations.
- Cross sell all company products and services; refer appropriate banking opportunities to other
departments and personnel. - Serve as member of the Bank’s Officer Loan Committee and participate in other ad hoc committee
activities. - Manage technical and policy exceptions.
- Perform other related duties as assigned.
Education and Experience Requirements
High school diploma or equivalent
Education and Experience Preferences
4-year college degree (accounting, business, finance,management or related) and 2 years relevant
experience – or equivalent combination of education & experience
Sales experience
Extensive knowledge of loan guidelines, products
and services
Knowledge of and/or experience with SBA guaranteed and rural development B & I loan
programs, FSA loan programs