Loan Officer

Job Title : Loan Officer II

Date : November 2025

Officer Level : Yes

FLSA Status : Exempt

Location : Various Branches

Division : Lending Operations

Reports to :

Chief Lending Officer

Essential Functions

Provides service to customers and prospective consumer loan customers

Often deals with r elatively large loans or those involving more risk

Services provided may include vehicle loans, personal unsecured notes, lines of credit, loans secured by stocks, bonds, CDs, etc.

May work with home improvement and home equity loans / lines of credit, student loans, credit cards, etc.

Processes and approves or rejects consumer loans

Operates with substantial credit authority

Participates in sales development activities

Follows current loans to ensure compliance with terms

Coordinates lending activities with others in the department

Reports to the Chief Lending Officer

Coordinates and communicates with Branch Manager to assist with rotations of opening, closing, lunch periods, etc.; particularly at small branch locations

Other duties as assigned

Knowledge, Skills, and Abilities

Knowledge of Banking operations, policies and procedures

Proficiency with Microsoft Excel and Outlook

Ability to communicate effectively and tactfully with customers, other departments, and branches

Ability to operate a variety of office equipment including but not limited to computers, calculators, and printers

Ability to operate efficiently in a fast-paced environment, while meeting consistent deadlines

Ability to make quick decisions

Positive, outgoing personality

Must be able to utilize good judgment, demonstrate patience, and maintain a professional demeanor

Ability to synthesize and act on internal and external customer needs

Education and Experience

Bachelor of Science Degree

5 or more years of Lending experience

Or an equivalent amount of education and lending experience

Other Banking experience a plus

Working Conditions

Required to use hands to finger, handle or feel; reach with hands and arms

Requires corrected hearing in normal range of effective communication via telephone and alarms

Must be able to speak

May be required to either sit or stand for long periods of time

May occasionally lift up to 25 pounds

Specific vision abilities include close vision, distance vision, and the ability to adjust focus. Considerable effort and eyestrain from continued checking on the accuracy of all work.

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

NOTE : All statements reflect the general components considered necessary to describe the principal functions of the position as identified and shall not be considered as a detailed description of all the requirements that may be inherent in the position. Since it is difficult to identify all essential functions of a position because of changes in the workplace, the facility will review this Job Description periodically to ensure it is accurate and up-to-date.

Qualifications