Loan Officer – Rapides Parish

Job Title: Loan Officer I
FLSA Status: Non-Exempt

The Loan Officer I is responsible for evaluating, processing, and administering consumer, commercial, real estate, and other credit-related loan applications. This position develops new business opportunities, analyzes creditworthiness, ensures compliance with lending policies, and maintains strong customer relationships while managing a loan portfolio.

• Review, process, close, and administer loan applications and proposals.
• Interview applicants and obtain required information and documentation.
• Analyze financial statements, credit reports, collateral, and property evaluations to determine loan feasibility.
• Correspond with applicants, creditors, and other parties to resolve questions and obtain additional information.
• Approve loans within authorized limits or submit recommendations to the appropriate approval authority.
• Ensure loan documentation is accurate, complete, and compliant with bank policies and regulatory requirements.
• Monitor and manage loan portfolio performance.
• Develop new lending and deposit relationships through business development and marketing efforts.
• Identify potential loan markets and cultivate prospective customers.
• Provide excellent customer service and maintain professional relationships with clients.

Successful performance in this role requires demonstrated ability in the following areas:

• Financial analysis and problem-solving
• Customer service and relationship management
• Business development and consultative sales
• Oral and written communication
• Decision-making and sound judgment
• Organization, planning, and time management
• Teamwork and professional collaboration
• Adaptability and continuous learning
• Technology proficiency and data management
• Ethics, integrity, and regulatory compliance
• Quality management and attention to detail
• Strategic thinking and business acumen

• Bachelor’s degree from an accredited college or university; or
• One to two years of related banking, lending, sales, or financial services experience; or
• Equivalent combination of education and experience.

• Ability to read, analyze, and interpret business documents, professional publications, and regulations.
• Ability to prepare reports, correspondence, and other business communications.
• Ability to effectively present information and respond to questions from customers, management, and the public.

• Ability to calculate interest, percentages, commissions, discounts, and related financial figures.
• Ability to apply basic algebraic and geometric concepts.

• Ability to evaluate information, solve practical problems, and make sound decisions in situations with limited standardization.
• Ability to interpret written, verbal, and diagrammatic instructions.

• Proficiency in banking databases, spreadsheet applications, word processing software, and related business systems.

While performing the duties of this position, the employee is regularly required to:

• Sit, use hands, reach, talk, and hear.
• Frequently walk and occasionally stand, climb, balance, stoop, kneel, crouch, or crawl.
• Lift and/or move up to 10 pounds regularly, up to 25 pounds frequently, and up to 50 pounds occasionally.
• Possesses close and distance vision necessary to perform job functions.

The work environment is typical of a professional banking setting. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the position.