Position Summary This position is responsible for generating, approving and maintaining quality business and agriculture loans for the bank’s loan portfolio. The Senior Loan Officer will provide advice and guidance to others in designated market lending activities to ensure loans are properly processed and adequate controls are maintained. This job description reflects assignment of essential duties and is subject to change (at management discretion) at any time.
General Duties/Key Accountabilities
Coordinate lending activities through guidance and direction of loan department.
Work with Management to develop and define procedures and policies for loan administration.
Identify and contact current and prospective customers about new and existing products and services
Handle all loan applications within an acceptable customer service and regulatory timeframe
Maintain loan quality by striving for low incidence of incomplete documentation or regulatory violation
Work with loan clerical staff in acquiring required documentation for the loan files
Monitor loans for continuing quality
Analyze complex credit applications
Work with customers through difficult/complicated issues that may arise
Handle collections on delinquent loans; monitor the quality of existing loans
Approve or deny loan applications
Will remain current with lending laws and regulations, along with products and services offered by competitors and other vendors
Make recommendations for new loan products and services
Adhere to bank policy, procedures and all lending laws and regulations
Maintain a high level of customer confidence
Additional duties as assigned
Bachelor’s degree required; three to five years’ related experience and/or training; or the equivalent combination of both. Work related experience should primarily include banking, lending and management roles.
Strong math skills; add, subtract, multiply and divide in all units of measure
Exceptional oral, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, interpret documents, understand procedures, write reports and correspondence, speak clearly to customers and employees
Exceptional organizational and time management skills; ability to function well in a fast-paced environment
Working knowledge of loan policies and procedures
Assumes a leadership role in community projects and activities
Accepts a leadership role within the bank and participates in bank promotions and activities
Travel to/from and work in multiple locations; must have a valid driver’s license and reliable transportation
Competencies To perform the job successfully, an individual should demonstrate the following competencies:
Initiative – is a self-starter; recognizes what and when things need to be done; seeks out new tasks and expands abilities; works for the better needs of the business, not just his/her own position.
Judgment – makes well thought out and timely decisions; has good perspective and remains focused on critical issues; consistently adheres to and supports company policies/procedures; requires little to no supervision to produce high quality work.
Accountability – Accepts responsibility for his/her own actions; can be relied upon to complete the job required; will follow through on what he/she says they will do and holds others accountable in the workplace.
Self Aware – recognizes how his/her actions impact others; is in tune with his/her strengths and weaknesses and takes actions to improve; learns from mistakes and shows commitment to change behaviors.
Growth and Customer Focus – Provides excellent customer service to everyone; supports business and revenue growth by sharing and supporting innovative ideas; focuses on opportunities to suggest new services to customers.
Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. The position summary does not state or imply that the above are the only duties and responsibilities assigned to this position. Employees assigned to this position will be required to perform any other job related duties as assigned by management. Reasonable accommodations will be made to enable individuals with disabilities to perform the essential functions.
Physical and Mental Requirements To perform the essential functions of this position, an employee must meet the following physical and mental requirements:
Frequently communicate with customers by phone and exchange accurate information in these situations
Occasionally lift and/or move files up to 50 pounds
Constantly operates a computer and other office equipment, such as a calculator, copy machine and printer
Frequently move inside the office to access files or office equipment
Occasionally drive to/from and work in multiple branches/locations
Equal opportunity employer. This company considers candidates regardless of race, color, religion, sex, sexual orientation, age, gender identity, national origin, disability or veteran status