Commercial Loan Officer - Russellville, KY

Commercial Loan Officer

The Commercial Loan Officer will be responsible for developing new business, structuring and closing loans, as well as maintaining and servicing an existing portfolio. Must be a relationship manager focused on loan production and deposit growth resulting in a full banking relationship. This position will represent the bank in the local community through active participation in community affairs and participate in marketing of the bank's products.

Essential functions, duties and responsibilities include, but are not limited to:

• Meets with applicants to obtain information for loan applications and answer questions about the process
• Explains to customers the types of loans and credit options available, including the terms of service
• Obtains and compiles copies of loan applicant's credit histories, financial statements, and other applicable financial information
• Analyzes applicant's financial status, credit, and collateral to determine eligibility of granting loans
• Submits applications to credit analysts for verification and recommendation
• Approves loans within specified limits and presents loan applications outside those limits to appropriate authority for approval
• Reviews loan documents to ensure they are complete and accurate according to policy
• Reviews and updates credit loan files
• Stays abreast of new types of loans and other financial services and products to better meet customer's needs
• Monitors existing loan portfolio to ensure proper risk ratings and early identification of potential issues
• Maintains on-going customer contact, quality customer service, and superior product knowledge
• Works with Cash Management and Trust Department to enhance banking relationship with existing and potential customers
• Maintains a presence in the community with civic organizations, events, and high visibility functions

Education, experience and qualifications:

Education:

Required high school or GED, preferred bachelor's degree in finance, business, economics, accounting or other related field.

Years of experience: A minimum of three (3) years of experience in commercial lending required.

Core competencies:

• Customer service skills
• Negotiation skills
• Oral and written communication skills
• Decision-making skills
• Interpersonal skills
• Mathematical skills
• Analytical thinking skills
• Financial skills
• Ability to multi-task

Working conditions:

Indoors, environmentally controlled. Usual office working conditions. The noise level in the work environment is typical of most office environments with telephones, personal interruptions, and background noises. Occasional travel may include outdoor, uncontrolled environmental conditions, including rain, sleet, ice, snow, extreme heat or cold temperatures.

Travel requirements:

Travel to meet with clients and/or close loans occasionally.

Mandatory vacation:

Mandatory vacation not required.

Physical requirements:

Sitting, standing, and walking frequently. Lifting never or rarely. Carrying occasionally. Pushing/pulling never or rarely. Reaching never or rarely. Keyboarding frequently. Pinching/gripping never or rarely. Stooping never or rarely. Squatting/crouching never or rarely. Kneeling never or rarely. Crawling never or rarely. Climbing never or rarely. Speaking constantly. Hearing constantly. Near visual acuity frequently. Far visual acuity occasionally.

Additional physical requirements:

May require lifting up to 10 pounds.