Commercial Loan Officer III

1 week ago

Columbia, MO, United States First Mid Bank & Trust Full time


Position:
Commercial Loan Officer III

Location:

Columbia, MO

Job Id:
3982

# of Openings:
0

At First Mid, base salary is one component of our Total Rewards program. Exact compensation is determined by factors such as (but not limited to) education, skills, internal equity, and experience. This position offers additional compensation in the form of discretionary short-term incentives (i.e., bonus, incentives, and/or commission). Benefits for this role include comprehensive healthcare, well-being benefits, paid family leave as well as generous paid time off. Total Rewards also include banking perks, tuition reimbursement, an Employee Stock Purchase Plan, and a 401K plan with company match. Incentives and benefits are subject to eligibility requirements.

Develops, manages, and grows agricultural, SBA, commercial, and/or commercial real estate loans that meet established commercial lending criteria and provide maximum profitability to the Bank at minimum risk. Develops and increases commercial and retail deposit accounts.

Responsibilities include, but are not limited to:
  • Ensures the asset quality of the assigned loan portfolio. Reviews delinquency reports with direct supervisor to ensure proper collection efforts are being utilized to manage the credit risk of the portfolio. Maintains low loan delinquency and ensures that there are no administrative past due loans. Communicates timely and in a comprehensive manner with their supervisor concerning any credit that is experiencing stress.
  • Manages, supervises, and grows individual loan and commercial deposit portfolios. Develops and maintains existing customer base and builds customer satisfaction and confidence in the Bank. Works effectively with personnel in the Credit Administration Department.
  • Solicits new customers and negotiating rate and loan terms (for both new and renewal loans) in a competitive and price sensitive environment.
  • Cross-sells other bank services to customers i.e. retail deposits, cash management, retail lending and wealth management services.
  • Working with a predetermined lending limit, analyzes customer credit applications; balance sheets and profit and loss statement; and cash flow projections in order to make sound loan decisions and predict future repayment capacity. Coordinates these efforts with personnel in the Credit Administration Department. Make recommendations to loan committee on new and renewal loans for amounts above lending limit
  • Participates as a member of various Bank committees as assigned.
  • Represents the Bank and provide leadership in key community activities and committees. Participate in professional associations; attend conventions, conferences and seminars.
  • Completed required training associated with job function.
  • Performs related duties as assigned.
Qualifications
Education/Experience:
  • Bachelor's degree in Finance or Business Administration or the equivalent of three plus years of specialized training in commercial and/or consumer lending and overall bank management.
Skills:
  • Thorough knowledge of Company's products and services
  • High level of analytical skills to conduct loan analysis and maintain loan's progress in consideration of market trends, credit/interest rates, economic conditions and other factors.
  • High level of interpersonal skills to interact with customers and potential customers in a professional manner.


First Mid Bancshares, Inc. is an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, gender identity, sexual orientation, protected veteran status, or any other applicable federal or state-protected classification.

THIS JOB DESCRIPTION DOES NOT CONSTITUTE A CONTRACT FOR EMPLOYMENT

Pay Range: $100,000 - $150,000 per year

Apply for this Position

  • Commercial Loan Officer

    2 weeks ago

    Columbia, MO, United States gpac Full time

    Job Description Commercial Loan Officer Commercial Loan Officers, or Commercial Lenders, work to help business owners obtain funds needed to fund their businesses, purchase property, equipment, and more. Commercial Lending is more than cold-calling prospects and attending community meetings. The right individual will need to meet with business owners...

  • Junior Loan Officer

    1 week ago

    Columbia, MO, United States gpac Full time

    Job Description 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. Junior Loan Officer Requirements Bachelor’s degree in business, finance, or accounting Banking...

  • Junior Loan Officer

    2 days ago

    Columbia, MO, United States gpac Full time

    Job Description 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. Junior Loan Officer Requirements Bachelor’s degree in business, finance, or accounting Banking...

  • Junior Loan Officer

    2 weeks ago

    Columbia, MO, United States gpac Full time

    Job Description 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. Junior Loan Officer Requirements Bachelor’s degree in business, finance, or accounting Banking...

  • Loan Officer

    2 weeks ago

    Columbia, MO, United States Gershman Mortgage Full time

    Loan Officer Columbia, MO About Gershman Mortgage Communities, families, and homes are at the heart of what we do at Gershman Mortgage. Our founding principles are based on the core values of honesty, integrity, the entrepreneurial spirit, and putting our customers first. We are passionate and committed to customer service and strive to ensure that we exceed...

  • Loan Officer

    2 days ago

    Columbia, MO, United States Gershman Mortgage Full time

    Loan Officer Columbia, MO About Gershman Mortgage Communities, families, and homes are at the heart of what we do at Gershman Mortgage. Our founding principles are based on the core values of honesty, integrity, the entrepreneurial spirit, and putting our customers first. We are passionate and committed to customer service and strive to ensure that we exceed...

  • Mortgage Loan Officer

    2 weeks ago

    Columbia, MO, United States Bell Bank Full time

    Under minimum supervision, this position will market and originate mortgage loans that meet regulatory and investors guidelines to be sold on the secondary mortgage market. Primary Duties: Gather all information necessary for documentation, analysis, disclosure and underwriting loan applications. Structure loan to ensure compliance to product guidelines....

  • Commercial Lender

    2 weeks ago

    Columbia, MO, United States The Callaway Bank Full time

    Commercial Lender - Columbia Market Location: Columbia, MO Department: Lending 📅 Full-Time | Community-Focused | Growth-Oriented Grow with Us 🌱 At The Callaway Bank, we believe in the power of relationships-and nowhere is that more important than in commercial banking. We're on the hunt for an experienced, driven, and community-minded Commercial...

  • Treasury Management Officer

    4 days ago

    Columbia, MO, United States gpac Full time

    Job Description Treasury Management Officer A Treasury Management Officer is a banking professional who services commercial clients and their cash management needs. This is a relationship-based role, where relationships can span millions of dollars. Working hand in hand with loan officers and portfolio managers, Treasury Management Officers are the backbone...

  • Treasury Management Officer

    2 weeks ago

    Columbia, MO, United States gpac Full time

    Job Description Treasury Management Officer A Treasury Management Officer is a banking professional who services commercial clients and their cash management needs. This is a relationship-based role, where relationships can span millions of dollars. Working hand in hand with loan officers and portfolio managers, Treasury Management Officers are the backbone...