Commercial Lender

About UsThe First National Bank & Trust Company is a leading financial institution with corporate offices in Chickasha, OK and bank locations in the surrounding area.For more than 130 years, the bank has remained a strong and faithful community partner with expertise in a full range of banking services. We are excited for the future and our continued commitment to the bank’s mission.At FNBT, we commit to promote the success of our customers and communities, provide high quality financial services and maintain a strong, safe financial institution.Job SummaryWe are looking for an experienced Commercial Lender with a commitment to service excellence to join our team. The Commercial Lender will facilitate business financing by evaluating and processing loan applications for commercial clients. This role requires a thorough analysis of a business’s financial health to structure loan packages that align with both the customer’s needs and the bank’s policies. This position plays a key role in helping businesses secure capital for growth and operations. The ideal lender will possess excellent customer relations and active listening skills to assist in identifying and advising on applicable products to fit applicant needs.In this role, the incumbent will adhere to federal regulations and will establish goals for long-term portfolio growth.Essential FunctionsKnowledge and understanding of the requirements and restrictions of each commercial loan program offered by the bankRemain in regular communication with applicants throughout the process of application and document collection, underwriting, closing, and beyondBank product knowledge required to effectively offer deposit products and other banking servicesActive participation in business development by analyzing potential loan markets, developing referral networks to identify prospects, and contacting and/or visiting potential customers and current customersApprove loans within specified limits and refer loan applications outside those limits to the internal loan committee for review/approvalAnalyze applicants’ financial status, credit, and property evaluations to determine feasibility of granting loansExplain to customers loan and credit options as well as the terms of those servicesReview loan agreements to ensure that they are complete and accurate according to policyEnsure each loan submitted has the required documents and signatures to reduce the possibility of loss and assist in efficient loan processing and reduction of exceptionsSubmit applications to credit analysts for verification and recommendation when necessaryHandle customer complaints and take appropriate action to resolve themNegotiate payment arrangements with customers who have delinquent loans.Maximize profitability through fee income, including referrals for all other retail products, including trust, fixed rate mortgages, cash management and merchant programs.This list includes the current primary responsibilities of this position. It is not intended to be all-inclusive and is subject to change, as needed, for the purpose of operational efficiency.Position RequirementsBachelor’s degree in accounting, business, finance or a related field is preferredMinimum of five years of commercial lending experience is requiredGraduate Banking School or Intermediate Banking School certification is preferred but not requiredDemonstrated working knowledge of underwriting principles, with an understanding of cash flow, debt service coverage, and loan-to-value ratios, as well as how these metrics influence a borrower’s capacity to repay a loanMust be willing to participate in community and bank eventsOutside business development efforts are requiredExcellent verbal and written communication skills; able to present information professionally and clearlyCareful attention to detail and strong organizational skillsStrong work ethic and high integrityOther RequirementsMust reside in Oklahoma and pass a background and credit checkRegular travel within the bank footprint and surrounding area is necessary for success in this position #J-18808-Ljbffr First-National-Bank-