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Senior Loan Officer - Council Bluffs Downtown Location
Council Bluffs, IA
Job Description
EEO/AA employer
POSITION SUMMARY
This position is responsible for generating, approving and maintaining quality business and agriculture loans for the bank’s 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.
PRIMARY RESPONSIBILITIES AND ACCOUNTABILITIES
ROLE QUALIFICATIONS
Education
Supervisory Responsibilities
This position is responsible for supervising staff in accordance with the bank’s policies and applicable laws. Responsibilities include training employees; planning, assigning, and directing work; appraising performance; rewarding and taking corrective action with employees; addressing complaints and resolving problems.
Competencies
To perform the job successfully, an individual should demonstrate the following competencies:
WORKING CONDITIONS
Work is performed largely within the Bank with limited chance for personal injury.
The following physical and mental requirements must be met to perform the essential functions of this position:
Frequently communicate with employees and other parties by phone, email and/or in person; can exchange accurate information in these situations. 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 lift and/or move up to 50 pounds of office supplies and equipment. Some bending, turning, and twisting required. Periodic stressful situations in response to multiple priorities within established deadlines. Work hours are generally during normal business hours. Unscheduled evening and weekend work may be needed to meet the needs of customers and employees. Occasionally drive to/from and work in multiple branches/locations.
GENERAL NOTICE
This position description describes the general nature and level of work performed by the employee assigned to this position and should not be interpreted as all inclusive. It does not state or imply that these are the only duties and responsibilities assigned to the position. The employee may be required to perform other job-related duties. All requirements are subject to change and to possible modification to reasonably accommodate individuals with a disability.
This position description does not constitute an employment agreement between the Bank and employee and is subject to change by the employer as the needs of the Bank and requirements of the position change.
Equal opportunity employer. This company considers candidates regardless of race, color, religion, sex, sexual orientation, age, gender identity, national origin, disability or veteran status
POSITION SUMMARY
This position is responsible for generating, approving and maintaining quality business and agriculture loans for the bank’s 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.
PRIMARY RESPONSIBILITIES AND 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
ROLE QUALIFICATIONS
Education
- Bachelor’s degree or equivalent combination education and experience required
- 3+ years in the banking or lending environment; 2+ years of supervisory and leadership experience and relevant loan experience; or the equivalent combination of both
- 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
Supervisory Responsibilities
This position is responsible for supervising staff in accordance with the bank’s policies and applicable laws. Responsibilities include training employees; planning, assigning, and directing work; appraising performance; rewarding and taking corrective action with employees; addressing complaints and resolving problems.
Competencies
To perform the job successfully, an individual should demonstrate the following competencies:
- Initiative – is a self-starter; 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; 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; 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; learns from mistakes and shows commitment to change behaviors.
- Growth and Customer Focus – Provides excellent customer service to everyone; supports business and revenue growth; focuses on opportunities to suggest new services to customers.
WORKING CONDITIONS
Work is performed largely within the Bank with limited chance for personal injury.
The following physical and mental requirements must be met to perform the essential functions of this position:
Frequently communicate with employees and other parties by phone, email and/or in person; can exchange accurate information in these situations. 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 lift and/or move up to 50 pounds of office supplies and equipment. Some bending, turning, and twisting required. Periodic stressful situations in response to multiple priorities within established deadlines. Work hours are generally during normal business hours. Unscheduled evening and weekend work may be needed to meet the needs of customers and employees. Occasionally drive to/from and work in multiple branches/locations.
GENERAL NOTICE
This position description describes the general nature and level of work performed by the employee assigned to this position and should not be interpreted as all inclusive. It does not state or imply that these are the only duties and responsibilities assigned to the position. The employee may be required to perform other job-related duties. All requirements are subject to change and to possible modification to reasonably accommodate individuals with a disability.
This position description does not constitute an employment agreement between the Bank and employee and is subject to change by the employer as the needs of the Bank and requirements of the position change.
Equal opportunity employer. This company considers candidates regardless of race, color, religion, sex, sexual orientation, age, gender identity, national origin, disability or veteran status
Job Summary
Company
Start Date
May 2021
Employment Term and Type
Regular, Full Time
Required Education
Bachelor's Degree
Required Experience
3+ years
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