Job Details

Job Title: Loan Officer

Department: Loans

Reports To: SVP/Commercial Loan Mgr.

REMOTE OPPORTUNITY

SUMMARY

Underwrites loan requests/applications according to approved policiesand procedures prepares credit and presents applicable requests to loan review committee for approval.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Actively participates in local business and community activities to market the Bank and facilitate new loans and deposits to assist in meeting bank profitability goals including business plan growth, income objectives, controlling expenses to maintain a profit
• Reviews, analyzes, and processes commercial and consumer lending requests and packages.
• Presents and reviews major loan requests to loan committee or Executive Committee of the board of directors for approval or rejection
• Negotiates loan participation and purchase agreements, inspects properties held as collateral, review applicable loan documents, and maintains files and servicing for such loans
• Works with attorneys representing the financial institution on loan matters
• Interviews commercial/consumer loan applicants as well as obtains and compiles financial information necessary for loan processing.
• Assists in the Bank's loan portfolios as to risk management considerations to maintain quality control and minimize losses
• Orders credit report and other required documents for loan applicants.
• Actively involved in new commercial and consumer-based and third-party loan programs.
• Market the Bank through involvement in civic and community events and organizations
• Work closely with credit analysts in the underwriting process, using a team approach during the preparation of credit proposals
• Responsible for keeping the process moving by supplying the necessary items to Loan Operations or to outside legal counsel/title companies etc. to necessitate a closing

• Bachelor's degree preferred, but not required.
• Strong interpersonal communication and phone etiquette
• Proficiency with Microsoft Word and Excel, including accuracy
• Ability to multi-task, prioritize and meet deadlines; follow direction
• Ability to work independently
• Attention to detail, accuracy, and follow-through
• Lending/banking/sales experience preferred, but not required