Commercial Loan Officer

3 months ago

Kimberling City, United States Generations Bank Full time
COMMERCIAL LOAN OFFICER

The Generations Bank Loan Officer is responsible for promoting the Bank by building new relationships and maintaining excellent customer service while attaining established goals, through active participation in sales management and officer call programs.

What makes Generations Bank different? We prioritize a diverse and talented group of people who are encouraged to bring their full self to work. We are committed to a common goal, serving our community. Our four core values are more than words, they're at the heart of everything we do. We believe a team with a strong culture and unified purpose is better in the long run.

Core Values:
  • Accountability: We believe our work commitments should be done fully, and lending a hand to fellow team members isn't optional.
  • Relationships: We believe when we treat our team and customers with humility, dignity, and pride we reach our highest potential.
  • Communication: We believe in proactively sharing ideas and information.
  • Stewardship: We believe each team member should care for our assets and opportunities as if they were their own.
If you share a common vision in our culture and core values, we encourage you to apply.

What does a Commercial Loan Officer do? The specific duties/responsibilities listed below are representative of the knowledge, skill, and/or ability to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.
  1. Engages in business development activities and solicitation of new business; actively involved in instilling and maintaining a positive sales environment through education of the Bank's products and services.
  2. Interviews prospective applicants and requests specified information related to loan or credit application; corresponds or re-interviews applicants to resolve questions regarding application information.
  3. Performs prequalification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.
  4. Gathers and analyzes all information necessary to present a financing request to Senior Management or Loan Committee for approval; meets with existing or potential customers; visiting sites of loans; negotiates loan terms and conditions; approves loans within established lending limits or refers and recommends acceptance to the Chief Credit Officer or Loan Committee.
  5. Coordinates processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements.
  6. Ensures that credit inquires and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved.
  7. Ensures that certification or deletion of collateral is made by the appropriate personnel.
  8. Negotiates, underwrites, and processes renewals of credit facilities.
  9. Approves loan payments, draws from lines of credit, and fund transfers within specified limits.
  10. Authorizes commitment, engagement, auction and decline letters.
  11. Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees.
  12. Verifies funds with mortgage companies and contractors.
  13. Develops and maintains knowledge of financial industry, economy, market conditions, rates, vendors, and competition.
  14. Represents the Bank in various community, civic, and community reinvestment functions to further enhance the Bank's image and develop additional business; assists the Bank in establishing and maintaining market position in the financing arena.
  15. May review NSF and overdraft reports for customers assigned within his or her portfolio; approves or declines such exceptions within established lending limits.
  16. Cross sells the Bank's other products and services, referring customers to appropriate staff as indicated.
  17. Updates and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken.
  18. Assists in meeting annual loan growth goals assigned by Executive Management; participates in various internal committees assigned by Executive Management.
  19. Responds to inquiries or refers inquiries to the appropriate department or person and exhibits the necessary follow-through with customers and/or staff involved.
  20. Consistently applies superior decision-making techniques pertaining to inquiries, approvals, and requests as they apply to existing policies and procedures, keeping within assigned approval limits and using these instances as learning tools for employee development.
  21. Processes, solves, and answers complex customer transactions, problems, or inquiries.
  22. Maintains confidentiality of customer and bank data.
  23. Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
  24. Demonstrates knowledge of and adherence to Equal Employment Opportunity (EEO) policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action.
  25. Assures compliance with all Bank policies and procedures and all applicable state and federal banking laws, rules, and regulations.
  26. Completes administrative tasks correctly and on time; supports the Bank's goals and values; benefits the Bank through outside activities.
  27. Performs the position safely, without endangering the health or safety to themselves or others and will be expected to report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all rules, regulations and orders issued pursuant to the OSHA Act of 1970, which are applicable to one's own actions and conduct.

SECONDARY DUTIES

The position of Loan Officer performs duties specific to the position and other functions as assigned.

SUPERVISORY RESPONSIBILITY

The position of Loan Officer is not responsible for the supervision of any employees.

ADDITIONAL DETAILS

This full-time, non-exempt position is based in Kimberling City, MO, and reports to the Market President. The work schedule is Monday-Friday, 8-5. The working arrangement is on-site.

After Hours/Weekends: as a Community Bank, we are committed to serving our community Accordingly, our employees have an opportunity to participate in events after normal business hours for community outreach activities.

Environment and Physical Activity

The incumbent is in a non-confined office type setting in which he or she is free to move about at will. The position includes driving a Bank or personal owned vehicle approximately 10-15% of the time which includes exposure to the outside weather elements and moving mechanical parts. It may include some minor annoyances such as noise, odors, drafts, etc.

The incumbent, while performing this position spends time writing, typing, speaking, listening, lifting (up to 10 pounds), driving, carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling, and reaching.

The incumbent may operate any or all the following: telephone, smart phone, copy machine, adding machine (calculator), scanner and image systems, scanning equipment, computer terminal, laptop, personal computer, tablet, printers, or other office equipment as directed.

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.

Physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

Mental Demands. The incumbent must be able to read documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks, and constant interruptions.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

What are the Requirements? These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

BASIC QUALIFICATIONS - you must have these to be considered for this role:
  • High school diploma or equivalent (GED).
  • Bachelor's degree and/or 3 or more years of lending experience.
  • Ability to perform the essential functions, mental, and physical demands of the job as listed above.
  • Current driver's license and a vehicle with appropriate insurance coverage if required to drive while performing assigned duties and responsibilities.
PREFERRED QUALIFICATIONS - if you have these you will stand out:
  • Bachelor's degree in accounting, finance, or business administration.
  • Effective communication skills - speaking, listening (active), and written.
  • Excellent organizational and time management skills.
  • Intermediate knowledge of human resource labor laws and policies.
  • Intermediate skills in computer terminal and personal computer operation; host computer system; word processing and spreadsheet software programs.
  • Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
  • Current registration with the Nationwide Mortgage Licensing System and Registry.
  • Advanced problem-solving aptitude
  • Teamwork orientation and an interest/capacity in cultivating strong working relationships.
  • Professional appearance and demeanor with a customer focus.
  • Positive, "can do" attitude.
Why should I apply?
  • Competitive Wages
  • Comprehensive and affordable medical, dental and vision benefits
  • Paid time-off program
  • Company-paid holidays (10 annually)
  • 401(k) with Company Match
  • Company-paid Basic Life Insurance
  • Company-paid Short-Term Disability
  • Employee Assistance Program
  • Paid Maternity and Paternity Leave
  • Training and Advancement opportunities
  • Company-sponsored volunteer opportunities


Pay Transparency Nondiscrimination Provision

Generations Bank will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the legal duty of the contractor to furnish information.

We comply with the ADA and consider reasonable accommodation measures that may be necessary for eligible applicants/employees to perform essential functions.

Generations Bank is an affirmative action and equal opportunity employer and adheres to to offer employment without regard to race, color, religion, marital status, sex, sexual orientation, gender identity, pregnancy, age, national origin, disability, veteran status, or any other basis. All qualified applicants will receive equal consideration for employment.

Applicants who are offered this role are required to submit to a background check including a criminal record check, employment, education verification, and drug screening.

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