Loan Officer

Company Description KFB The Better Bank is a locally owned and operated community bank that has served the region since 1931. Known as the "Better Bank," KFB emphasizes friendly service, low fees, and convenient banking options for individuals and businesses. The organization is consistently recognized as a great workplace, holding a spot on American Banker Magazine's list of Best Banks to Work For since 2016.

Team members join a community-focused institution that values long‑term relationships and responsible financial partnership. KFB is committed to providing a supportive environment where employees help customers experience banking as it was meant to be.

Role Description The Loan Officer is a full‑time, on‑site role based at KFB The Better Bank in Ashland, KY. This role is responsible for originating, evaluating, and closing consumer and commercial loans in alignment with bank policies and regulatory requirements. Daily activities include meeting with prospective and existing customers, gathering and analyzing financial information, and recommending appropriate loan products. The Loan Officer reviews creditworthiness, collaborates with underwriting and credit teams, and ensures accurate documentation and timely processing of applications.

This position also involves maintaining strong customer relationships, providing clear communication about loan terms, and actively contributing to the bank's growth and community presence.

Qualifications

• Experience in loan origination and Loan Officer responsibilities, including managing a portfolio of consumer and/or commercial loans.
• Strong foundation in Finance, with the ability to analyze financial statements, credit reports, and overall borrower capacity.
• Knowledge of Underwriting principles and risk assessment, with familiarity in regulatory and compliance standards.
• Demonstrated Customer Service skills, with a focus on clear communication, responsiveness, and relationship-building.
• Understanding of the end‑to‑end Loan Origination process, including application intake, documentation, closing, and follow‑up.
• Excellent verbal and written communication skills and the ability to explain complex financial information in accessible terms.
• Strong attention to detail, organizational skills, and comfort working with banking software and digital tools.
• High level of integrity, professionalism, and commitment to community banking values.
• Preferred:
  Prior experience in community banking or financial services; associate or bachelor's degree in finance, business, or a related field.