Commercial Loan Officer III

Commercial Loan Officer III

First Mid

Base salary is one component of our Total Rewards program. Exact compensation is determined by factors such as education, skills, internal equity, and experience. This position offers additional compensation in the form of discretionary short-term incentives (i.e. bonus, incentives, and/or commission). Benefits for this role include comprehensive healthcare, well‑being benefits, paid family leave as well as generous paid time off. Total Rewards also include banking perks, tuition reimbursement, an Employee Stock Purchase Plan, and a 401(k) plan with company match.

Incentives and benefits are subject to eligibility requirements.

• Ensures the asset quality of the assigned loan portfolio. Reviews delinquency reports with direct supervisor and direct reports to ensure proper collection efforts are being utilized to manage the credit risk of the portfolio.
• Supervises and manages direct reports. Provides direction and leadership to loan officers and support staff to ensure that asset quality, growth, and fee income goals are obtained.
• Manages individual loan portfolios. Develops and maintains existing customer base and builds customer satisfaction and confidence in the bank. Cross‑sells bank product and services in a professional manner.
• Working with a predetermined lending limit, analyzes customer credit applications, balance sheet, profit and loss statement, and cash flow projections in order to make sound loan decisions and predict future repayment capacity. Makes recommendations to the loan committee on new and renewal loans for amounts above lending limits. Ensures that comprehensive and timely information is collected from loan customers. Coordinates these efforts with personnel in the Credit Analysis Department.
• Communicates with appropriate supervisory personnel and/or Regional President on a regular basis on loan issues and community activities. Responsible for reporting all operational and lending issues that deviate from established policies and procedures to their supervisor.
• Works closely with the retail deposit staff to promote community‑wide performance and service delivery.
• Represents the bank and provides leadership in key community activities and committees.
• Participates in professional associations, attends conventions, conferences and seminars.
• Completed required training associated with job function.
• Performs related duties as needed.

• Bachelor’s degree in Finance or equivalent with additional specialized training in commercial lending and overall bank management.
• 3+ years of experience in commercial lending with relevant knowledge of CRE and C&I lending.

• Thorough knowledge of company’s products and services and related charges.
• High level of interpersonal skills to interact with customers and potential customers in a professional manner.
• High level of analytical skills to conduct loan analysis and maintain loan’s progress in consideration of market trends, credit/interest rates, economic conditions and other factors.
• Adequate knowledge of both internal policies and procedures and the respective state and federal laws and regulations governing departmental functions to ensure performance of individual job duties within the proper control environment.

• Competitive health, dental & vision coverage with HSA match.
• 401(k) with employer match + Employee Stock Purchase Plan.
• Generous PTO, paid holidays & parental leave.
• Tuition reimbursement & performance‑based bonuses.
• Visit our Total Rewards page to see our full list of benefits.

First Mid Bancshares, Inc. is an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, gender identity, sexual orientation, protected veteran status, or any other applicable federal or state‑protected classification.

THIS JOB DESCRIPTION DOES NOT CONSTITUTE A CONTRACT FOR EMPLOYMENT.

Mid‑Senior level

Full‑time

Finance and Sales

Location:

Edwardsville, IL;
St. Louis, MO