Loan Officer

GENERAL SUMMARY

Manages a portfolio of all types of loan/depository accounts. Responsible for prospecting new customers and cross-selling other banking services.

• Salary $115,000 - $160,000

• Prospects new customers and solicits new loans. Cross-sells other banking services to new and existing customers. Maintains on‑going customer contact to ensure good customer relations.
• Performs on‑going management of a portfolio of all types of account relationships. Includes account reviews, problem solving, research and follow-up to internal account errors, etc. Interviews loan applicants: gather and evaluate financial and related data to establish credit worthiness. Monitor customers' financial condition.
• Reviews and approves or denies loan request to new or existing customers up to a pre‑determined limit. Prepares action memos to be reviewed by management and presents credits exceeding authority to the loan committee. May serve and vote as a member of the bank loan committee.
• Monitors loan repayment activities, take necessary action to collect past‑due accounts.
• May participate in preparation of department budget, goals and objectives and strategic planning.
• Participates in civic and community organizations, representing the bank, but following personal interests. Attends customer and bank-sponsored events.
• Performs other related duties as assigned by management.
• Ability to maintain regular and reliable attendance

• Knowledge of agriculture, commercial and consumer lending procedures.
• Knowledge of credit structuring.
• Knowledge of general banking principles and banking.
• Knowledge of sales and marketing practices and principles.
• Skill in communicating with clients and co-workers in courteous and professional manner.
• Skill in operating computer terminals and printers.
• Skills in pricing loans.
• Ability to maintain a high level of confidentiality.
• Ability to problem solve.
• Ability to make sound decision using information at hand.
• Ability to demonstrate accuracy and efficiency in a fast‑paced environment.
• Ability to function as a team player.

• College degree preferred
• Three years lending experience is preferred.

• Benefits for employees working at least 35 hours per week include 8 paid holidays; 17 PTO days each year for the first five years of employment (employees must complete 90-day introductory period prior to accruing PTO); 16 hours of paid sick time upon hire date; health, dental, prescription drug card, vision, and voluntary life insurance plans; health savings account with employer contributions;
  
  flexible medical and dependent care spending plans; 401K plan after 3 months and start of next quarter with employer contributions and profit sharing; $50,000 group term life insurance; long term disability insurance and employee assistance program. If working less than 35 hours per week, above benefits are modified.