Commercial Loan Officer

Loan OfficerThis position is located in Elkhorn, NE and is responsible for developing and maintaining loans primarily to customers for commercial, small business, professional, construction, and commercial real estate purposes. It involves calling upon potential or existing customers to acquire new loans, maintain current banking relationships, and promote business development. This position will also complete additional branch lending functions for commercial, agriculture, installment, and real estate loans as needed.ResponsibilitiesInterviews loan applicants to develop financial needs and determines financial credit worthiness.Gathers pertinent financial data, prepares a thorough credit analysis, loan presentation, and determines the acceptable risk and structure of the loan that comply with the Bank's underwriting standards.Grants loans within lending authority and makes recommendations to the loan committee on loans above their lending authority.Closes loans, assuring conformity with all regulations and proper documentation.Ensure that the customers total financial service needs are identified and met and that customer relationships are strengthened through the consistent delivery of quality customer service.Contacts delinquent customers to collect on past due loans.Work with Branch personnel in the expansion and promotion of bank products and services to existing and new or prospective deposit and lending customers.Represents the bank in various civic and community organizations to further enhance its image and develop additional business both during and after bank office hours.Additional related duties may be assigned.Accountable for complying with all Bank Secrecy Act and Anti Money Laundering regulations, bank policies and procedures.SkillsStrong customer service skills and enjoys working with the publicSelf-directed and growth oriented. Takes initiative and uses good judgment in making appropriate decisionsAbility to analyze credit factors, including various financial statements and tax returnsAbility to sell additional FNB products and services to clientsQualificationsBachelor's Degree in business, Banking, Finance, or related fieldMinimum 2-3 years of banking experience with emphasis in commercial lendingAppropriate lending licenses, as requiredValid Driver's LicenseGood communication and demonstrated managerial/supervisory experience requiredAdditional lending experience including commercial, agricultural, installment, and real estateFirst Nebraska Bank is an Affirmative Action and Equal Opportunity Employer