Commercial Loan Officer

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Seniority level: Entry level

Employment type: Full-time

Job function: Finance and Sales

• Solicit, develop and manage credit relationships with individuals and businesses seeking a variety of secured and unsecured loans, including commercial, real estate, and construction.
• Oversee and manage the commercial loan portfolio.
• Work with the Chief Lending Officer or Senior Commercial Lender on more complex relationships.
• Be responsible for the overall profitability and quality of the loan portfolio.
• Operate within established lending authority and guidelines; provide optimum profitability balanced with acceptable risk.
• Ensure adherence to established bank loan procedures, practices, and reporting requirements.
• Be responsible for sales development and referral activities, including STEP sales training and activities.
• Create a teamwork environment to ensure quality service is provided and sales/business development goals are met.
• Conduct relationships and activities consistent with established Bank policies, procedures and systems, the corporate code of conduct, Bank Secrecy Act, and all applicable State and Federal laws and regulations.

• Bachelor’s degree; or equivalent combination of education, training and experience that provides the required knowledge, skills and abilities.
• Typically less than three years lending experience.
• Knowledge of current bank lending procedures and policies, lending regulations (state and federal), lien laws, collection/bankruptcy regulations, and loan documentation.
• Knowledge of commercial lending and real estate field, including appraisals, deeds, and lien recording.
• May require knowledge of agricultural business and/or agricultural lending experience.
• Ability to analyze financial statements and assess loan risk.
• Possess good judgment skills; ability to make decisions within prescribed guidelines, research and solve problems, work independently, handle confidential information, and manage multiple tasks.
• Thorough knowledge of bank products and services; demonstrated skill in soliciting business for bank deposit products and loan services.
• Ability to identify client needs, present banking solutions and bank products; recognize closing opportunities and retain and grow customer relationships.
• Ability to read, write, and speak English.
• Excellent verbal, listening and communication skills; strong customer relations skills and ability to work with employees and customers in a cooperative manner.
• Ability and desire to work as part of a team, and with people of diverse backgrounds.
• Strong organizational skills and attention to detail.
• Ability and desire to represent Central Bank of the Ozarks Market in the community.
• Willingness to assume additional responsibilities, duties, and projects as they arise.
• Ability to operate office equipment, including PCs, calculators, telephones, voicemail, and copy/printer/fax machines.
• Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
• Ability to drive a vehicle; must maintain a current, valid driver’s license and an acceptable driving record for bank insurance purposes.
• This position requires registration with the National Mortgage Licensing System and Registry (NMLS), as created under the S.A.F.E. Act; the registration process can be found at the NMLS Resource Center located at (Use the "Apply for this Job" box below)..org