Loan Officer

Overview

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

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• Prospects new customers and solicits new loans. Cross-sells other banking services to new and existing customers. Maintains ongoing customer contact to ensure good customer relations.
• Performs ongoing 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: gathers and evaluates financial and related data to establish creditworthiness. Monitors customers  financial condition.
• Reviews and approves or denies loan requests 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 and takes necessary action to collect past-due accounts.
• Participates in preparation of department budget, goals and objectives and strategic planning.
• Participates in civic and community organizations, representing the bank, while 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 decisions 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