VP/REIT Loan Officer

Career Opportunities with First Northern Bank of Dixon A great place to work. Careers At First Northern Bank of Dixon Current job opportunities are posted here as they become available. Interview applicants to develop information concerning their needs, abilities and earnings to determine whether a loan may be an acceptable risk. Evaluate and service the needs of present and potential customers seeking a variety of commercial real estate loans, deposit accounts and other Bank products. Ability to analyze applicant’s financial status, credit and property evaluation to determine feasibility of granting loan or submit application to credit analyst for verification and recommendation. Negotiate the loan terms and conditions with customers and prospects. Present concept memos and loan write-ups for approval of proposed terms and pricing. Present and negotiate term sheets with customers and prospects. Identify and analyze potential loan markets and property asset classes to develop prospects for commercial real estate loans. Advise manager of external factors that may affect established lending policies, such as new or revised legislation and regulations; recommend and implement appropriate changes to established policies and procedures. Promote and cross-sell other Bank products and services as appropriate. Provide loan data to support marketing and sales promotion programs. Administer and manage existing loans to ensure complete conformity with terms and adequacy of documentation remains cognizant of developing trends. Ensure adherence to Bank guidelines, policies and procedures regarding credit administration Comply with all applicable Banking compliance rules and regulations established by both internal departments and external agencies. What You’ll Need to be Successful Communication – speak and write clearly and persuasively in all situations; ability to write routine reports and correspondence and to speak effectively before groups of customers or employees Problem solving Skills – identify and resolve problems in a timely manner, gather and analyze information skillfully and develop alternative solutions; work well in group problem solving situations Customer Service – respond promptly to customer needs, solicit customer feedback to improve service and respond to requests for service and assistance Attention to Detail – demonstrate accuracy and thoroughness in work Judgement – exhibit sound and accurate judgment, support and explain reasoning for decisions; include appropriate people in decision making process and make timely decisions Ambition – set and achieve challenging goals, demonstrate persistence and overcome obstacles; measure self against standard of excellence and take calculated risks to accomplish goals Productivity – meet productivity standards, complete work in timely manner and strive to increase productivity Teamwork – listen to others without interrupting, keep emotions under control and remain open to others' ideas; foster quality focus in others Professionalism – approach others in a tactful manner, react well under pressure, and treat others with respect and consideration regardless of their status or position Dependability – accept responsibility for own actions and follow through on commitments Time Management – prioritize and plan work activities and use time efficiently Compliance – consistently adhere to Bank policies and regulations, reinforce training to ensure that Bank employees are aware of UDAAP and do not harm consumers with any act that could be misleading, unfair, deceptive, or abusive in act or practice Five to ten years of commercial real estate lending or other lending related experience Knowledge of Database software, Loan Origination software, Spreadsheet software and Word Processing software Why You Should Apply Full-time position with excellent compensation and benefits package Generous time off programs Profit sharing Discounted stock purchase program Excellent growth and development opportunities And much more! The purpose of this job description is to provide a summary of duties related to the position. It is not intended to be all-inclusive. The employee will perform other reasonable business duties as assigned by supervisor or other management. First Northern Bank does not discriminate based on race, color, religions, sex, gender identity, age, national origin, marital status, pregnancy, disability, or any other protected status. The duties outlined in this description are subject to modification or change by the organization, at any time, with or without notice. #J-18808-Ljbffr