Loan Officer

Job Description

Job Description

Join our growing team!

We are looking for a motivated, customer-focused professional with a passion for helping other achieve their financial goals. Our thriving community bank is growing, and we are looking to add a new loan officer to our St. Peters branch. We are committed to delivering excellent service and building strong relationships in the communities we serve. We are interested in candidates preferably with banking experience who are looking for a supportive, value-driven work environment where they can make a real impact.

Job Title : Loan Officer

Department : Loan Operations

Reports To : Chief Lending Officer

Classification : Exempt Nonexempt

Summary

Responsible for developing new business, underwriting, structuring, and closing of loans, as well as maintaining and servicing an existing portfolio. Represents the bank in the community through active participation in community affairs and participates in marketing of the bank’s products and services

Supervisor Responsibilities

This position has no supervisory responsibility.

Essential Duties and Responsibilities

• Solicits loans and informs prospective loan clients of the financial institution’s underwriting guidelines and applicable government regulations.
• Negotiates terms and structures loan financing based on risk consideration and present credits for approval to appropriate levels of authority with the bank as required.
• Completes each loan application and all pre-processing functions in a timely manner to meet established guidelines.
• Monitors an existing loan portfolio to ensure proper risk ratings and early identification of potential problems. Collects past due loans.
• Maximizes bank profitability through appropriate pricing of new loan originations, fee income, and selling of all bank products and services.
• Supports the bank’s relationship banking culture through on-going customer contact, quality customer service, and superior product knowledge.
• Daily review, approval and disposition of overdrafts.

Other Duties

This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

Job Requirements

Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to stand; walk and reach with hands and arms. The employee must occasionally lift and / or move up to 25 pounds. Specific vision abilities required by this job include close vision, color vision and the ability to focus.

Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

This position requires travel when making business development calls, community events / meetings, and internal meetings / training.

The noise level in the work environment is usually moderate.