Commercial Loan Officer - Russellville, KY

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Regular Full-Time Officer 5 Days NOT Required Russellville, KY, US

8 days ago Requisition

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.

• 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

High School or GED

Degree in finance, business, economics, accounting or other related field preferred

3

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

• Oral and written communication skills
• Interpersonal skills
• Mathematical skills
• Analytical thinking skills
• Financial skills
• Ability to multi-task

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 to meet with clients and/or close loans

Occasionally

Mandatory vacation not required

Sitting (remaining in a seated position)

Frequently

Standing (remaining on one’s feet in an upright position without moving about)

Frequently

Walking (moving about on one’s feet)

Frequently

Lifting (raising or lowering an object from one level to another)

Never or Rarely

Carrying (transporting an object, usually by holding it in the hands or arms or on the shoulder)

Occasionally

Pushing/Pulling (exerting force upon an object so that the object moves away or toward the force)

Never or Rarely

Reaching (extending hand(s) and arm(s) in any direction, such as overhead, below waist, forward or lateral)

Never or Rarely

Keyboarding (entering text or data using computer keyboard or 10-key numeric keyboard)

Frequently

Pinching/Gripping (seizing, holding, grasping, turning or otherwise working with the hand(s) or fingers)

Never or Rarely

Stooping (bending downward and forward by bending spine at the waist)

Never or Rarely

Squatting/Crouching (bending body downward and forward by bending legs and spine)

Never or Rarely

Kneeling (bending legs at knees to come to rest on knee(s))

Never or Rarely

Crawling (moving about on hand and knees or hands and feet)

Never or Rarely

Speaking (expressing or exchanging ideas by means of the spoken word to impart oral information to customers and to convey detailed spoken instructions accurately, loudly, or quickly)

Constantly

Hearing (the ability to hear, understand, and distinguish speech, either in person or telephonically)

Constantly

Near Visual Acuity (clarity of vision at approximately 20 inches or less)

Frequently

Far Visual Acuity (clarity of vision at approximately 20 feet or more)