Junior Loan Officer

Junior Loan Officer

Junior Loan Officers work alongside established ag and commercial lenders to learn the industry, and market area, and learn the rules and regulations. Time will be spent on the credit analysis side of banking as well.

• Bachelor’s degree in business, finance, or accounting
• Banking background preferred

• Acquisition, expansion, and retention of commercial relationships using a proactive calling strategy
• Cross-sell ancillary products and services of the bank
• Analyze credit history of applicants and determines loan repayment capabilities
• Negotiate credit terms, such as costs, loan repayment methods, and collateral specifications
• Develop and maintain interest rate structure to be consistent with financial institution policies and procedures, and to be competitive with current market rates.
• Evaluate potential customer loan requests and make loan recommendations to management
• Daily review, approval, and disposition of commercial overdrafts
• Review new laws and regulations that influence business lending within the financial institution and make recommendations to management when necessary
• Provide assistance and recommend training for new commercial loan officers
• Develop new customer prospects and business
• Represent the bank in the local community through active participation in community affairs

All qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations.