Commercial​/Consumer Loan Officer

Location: Stroud

Banc First Corporation Commercial/Consumer Loan Officer Prague, Oklahoma POSITION SUMMARY

The Commercial/Consumer Loan Officer is primarily responsible for making and servicing business and individual loans that involve significant amounts of both secured and unsecured loans which could be complex in nature. Handles both large and small credits.

ESSENTIAL DUTIES AND RESPONSIBILITIES p>Monitors and manages existing credit relationships which include note renewals; detailed analysis of current financial statements and collateral valuations; credit analysis;

cash flow analysis; delinquency reporting; documenting exceptions; covenant monitoring; compiling reports necessary to monitor asset and credit quality; and compliance with policies/regulations.

Negotiates loan proposals; analyzes and evaluates credit requests and writes loan commitments; recommends appropriate credit grade; makes written loan memos/presentations for credit approval; and implements approval or declination action.

Develops new business through identifying and calling on existing or prospective customers; promotes and cross-sells Bank's services; and works with Bank operation areas to ensure that quality service is provided.

Participates in community and professional activities in order to enhance Bank's image and expand personal network of contacts for development of new business.

Assists with other job related duties and special projects as requested.

Regular and consistent attendance is an essential function of this position.

REQUIREMENTS

• Bachelor's Degree required (Business major or Formal Credit training preferred)
• Minimum of 5 years of experience underwriting Commercial Loans as well as Consumer Loan experience
• Must have ability to analyze complex financial data and write detailed credit memorandums
• Must have ability to grow quality portfolio with annual performance goals
• Excellent communication skills with the ability to prepare and deliver persuasive verbal and written reports and presentations
• Efficient computer skills including knowledge of word processing and spreadsheet applications

PHYSICAL REQUIREMENTS

• Constant use of computer screens
• Ability to operate a computer keyboard
• Intermittently standing, stooping, bending at the waist, walking, kneeling or crouching
• Long periods of typing and repetitive motion
• Ability to lift and/or move and carry 10 pounds

LOCATION

602 W. Main
Stroud, OK 74079

HOURS

Full Time

EOE - Banc First is an Equal Opportunity employer.

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