Consumer and Business Lending Specialist

2 months ago


Osage Beach, Missouri, United States MidAmerica Bank Full time

About MidAmerica Bank:
Mid America Bank is a community-focused financial institution dedicated to serving the needs of our clients in Central Missouri. We pride ourselves on our growth while maintaining a commitment to our customers and the community. Our goal is to create a supportive work environment that promotes work-life balance, professional development, and career progression.

Position Overview:
The Loan Officer plays a crucial role in fostering new consumer and business relationships while enhancing existing client connections. This position involves the solicitation, assessment, approval, and closure of loan applications for various types of loans, including consumer, residential, commercial, and agricultural. The Loan Officer will also promote additional banking products to both current and prospective clients.

Key Responsibilities:

  • Engage with individuals and businesses to promote the bank's offerings and actively seek new loan opportunities.
  • Build and maintain client relationships as a trusted advisor, suggesting beneficial products and services.
  • Meet with loan applicants to collect personal financial details and clarify the application process.
  • Educate applicants on different loan types and their respective terms.
  • Gather, verify, and analyze financial information from applicants.
  • Ensure loan agreements adhere to all applicable federal and state regulations.
  • Make decisions on loan applications or escalate them to management as necessary.
  • Coordinate with loan processing and servicing teams regarding the status of loans.
  • Facilitate the collection of required documentation during the loan closing process.
  • Address customer inquiries throughout the duration of their loan.
  • Follow up with borrowers who miss payments to recover outstanding debts.
  • Represent the bank by participating in community and philanthropic events.
  • Adhere to all lending laws, regulations, policies, and procedures.
  • Complete all assigned training within designated timeframes.
  • Perform other duties as assigned by management.

Qualifications:

  • Bachelor's Degree in Accounting, Finance, Economics, or Business Administration is required.
  • Preference for candidates with a Mortgage Loan Originator license.
  • A minimum of 2-5 years of relevant lending experience is required.
  • Experience may be considered in lieu of formal education or related work experience.
  • Proficiency in computer applications, particularly Excel or similar spreadsheet software.
  • Strong communication and writing skills are essential.
  • This role requires skills typical of an office environment, including computer proficiency and effective communication.

Branch Hours:
Lobby: M-F 8:30 AM - 4:30 PM, Saturday 9:00 AM - 12:00 PM
Drive-Up: M-F 7:30 AM - 6:00 PM, Saturday 9:00 AM - 12:00 PM


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