Commercial Loan Officer

Position

Commercial Loan Officer

St. Louis, MO

4412

2

Base salary is part of the Total Rewards program. Compensation is determined by education, skills, internal equity, experience, and may include discretionary short-term incentives (bonus, commission). Benefits include comprehensive healthcare, well‑being benefits, paid family leave, generous paid time off, banking perks, tuition reimbursement, an Employee Stock Purchase Plan, and a 401(k) plan with company match. Incentives and benefits are subject to eligibility requirements.

Develops, manages, and grows agricultural, SBA, commercial, and commercial real‑estate loans that meet established commercial lending criteria and provide maximum profitability to the bank at minimum risk. Develops and increases commercial and retail deposit accounts.

• Ensures the asset quality of the assigned loan portfolio. Reviews delinquency reports with direct supervisor to ensure proper collection efforts are being utilized to manage the credit risk of the portfolio. Maintains low loan delinquency and ensures that there are no administrative past‑due loans. Communicates timely and comprehensively with supervisor concerning any credit experiencing stress.
• Manages, supervises, and grows individual loan and commercial deposit portfolios. Develops and maintains existing customer base and builds customer satisfaction and confidence in the bank. Works effectively with personnel in the Credit Administration Department.
• Solicits new customers and negotiates rate and loan terms (for both new and renewal loans) in a competitive and price‑sensitive environment.
• Cross‑sells other bank services to customers, i.e. retail deposits, cash management, retail lending, and wealth‑management services.
• With a predetermined lending limit, analyzes customer credit applications, balance sheets, profit and loss statements, and cash‑flow projections to make sound loan decisions and predict future repayment capacity. Coordinates these efforts with personnel in the Credit Administration Department. Makes recommendations to loan committee on new and renewal loans for amounts above lending limit.
• Participates as a member of various bank committees as assigned.
• Represents the bank and provides leadership in key community activities and committees. Participates in professional associations; attends conventions, conferences, and seminars.
• Completes required training associated with job function.
• Performs related duties as assigned.

• Education/
  
  Experience:
  
  Bachelor's degree in Finance or Business Administration or equivalent specialized training in commercial and/or consumer lending and overall bank management.
• Experience: 5+ years of experience in commercial lending with relevant knowledge of CRE and C&I lending.
• Skills: Thorough knowledge of company products and services; high level of analytical skills to conduct loan analysis and maintain loan progress in consideration of market trends, credit/interest rates, economic conditions and other factors; high level of interpersonal skills; adequate knowledge of internal policies, procedures and applicable state and federal laws and regulations.

• Competitive health, dental and vision coverage with HSA match
• 401(k) with employer match plus Employee Stock Purchase Plan
• Generous PTO, paid holidays and parental leave
• Tuition reimbursement and performance‑based bonuses

First Mid Bancshares, Inc. is an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, gender identity, sexual orientation, protected veteran status, or any other applicable federal or state‑protected classification.

THIS JOB DESCRIPTION DOES NOT CONSTITUTE A CONTRACT FOR EMPLOYMENT