Loan Officer

SUMMARY/OBJECTIVE

The loan officer is responsible for developing new business, underwriting, structuring and the closing of commercial loans, as well as maintaining and servicing an existing portfolio. This position represents the bank in the local community through active participation in community affairs and participates in marketing all the bank's products and services.

ESSENTIAL FUNCTIONS

1. Monitor an existing consumer & commercial loan portfolio to ensure proper risk ratings and early identification of potential problems.

2. Source, develop and underwrite new construction, interim and permanent mortgage financing requests for new and existing customers.

3. Maximize bank profitability through appropriate pricing of new loan originations, fee income and selling of all bank products and services.

4. Negotiate terms, structure loan financing based on risk considerations and present credits for approval to appropriate levels of authority with the bank as required.

5. Support the bank's strong relationship banking culture through on-going customer contact, quality customer service and superior product knowledge.

Competencies

1. Communications Proficiency

2. Financial Management

3. Customer/Client Focus

4. Technical Capacity

Job Type: Full-time

2 to 3 years of prior banking lending experience recommended.