Community Lending Officer

The Community Lending Officer develops and manages a balanced portfolio of consumer and small business loans. This position serves as a primary point of contact for borrowers, prospects new relationships, evaluates creditworthiness, structures and underwrites loan requests, coordinates documentation and closing, services the portfolio, and cross-sells appropriate bank products and services. The officer is responsible for delivering responsive, relationship-based service while maintaining sound credit quality, regulatory compliance, and alignment with the Bank’s production and community development goals.

STATEMENT OF EXPECTATIONS Chickasaw Community Bank (CCB) expects all employees to comply with the responsibilities of their assigned position to the highest degree of performance. Expectations include but are not limited to:

Adhere to the bank’s policies and support management decisions and goals in a positive, professional manner

Represent CCB with a high level of integrity and professionalism

Maintain knowledge and understanding of banking rules, regulations, laws, and all policies and procedures

Knowledge of applicable bank software, programs, and procedures

Adapt to changing business needs, priorities, and deadlines while demonstrating reliability, punctuality, organization, and sound judgment.

Possess a work ethic that includes neatness and punctuality

Maintain a professional appearance and demeanor and respond to customer and internal communications promptly.

Confer with management concerning questions, procedures, necessary information, forms completion, and problem resolutions

Complete and attend all required CCB training and maintain satisfactory attendance.

ESSENTIAL FUNCTIONS Serve as a primary point of contact for consumer and small business loan inquiries; assess each request, provide appropriate guidance, and coordinate referrals when a request falls outside assigned authority or expertise.

Develop and maintain consumer and small business banking relationships through proactive calling, community involvement, networking, referrals, and responsive relationship management.

Prospect for new customers and consultatively identify lending, deposit, treasury management, and other banking solutions that fit the customer’s needs.

Interview applicants, assess repayment capacity and creditworthiness, and obtain the financial, business, collateral, guarantor, and supporting information needed to evaluate each request.

Analyze and underwrite consumer and small business credit requests in accordance with Bank policy, including income or cash flow, debt service capacity, credit history, collateral support, guarantor strength, and other relevant risk factors.

Structure loan terms, pricing, repayment, collateral, covenants, and documentation to balance customer needs with the Bank’s risk and return objectives.

Conduct site visits or collateral inspections when appropriate to the credit request or required by Bank policy.

Prepare clear and complete loan presentations and submit requests to the appropriate approval authority or loan committee.

Communicate decisions, conditions, and documentation requirements to applicants in a timely, accurate, and professional manner.

Coordinate the loan process from application through closing, including ordering or obtaining appraisals or evaluations, title work, lien searches, insurance, entity documents, and other required due diligence.

Ensure collateral interests are properly documented and perfected and that collateral is appropriately valued, monitored, and insured.

Maintain complete, accurate, and timely loan files; monitor ticklers, financial reporting, renewals, maturities, exceptions, covenants, collateral, and other portfolio requirements.

Manage assigned…