Commercial Loan Officer

Commercial Loan OfficerMidwest City, OKOnsite positionBancFirst, Midwest City5605 SE 15th StMidwest City, OK 73110Full TimePosition SummaryThe Commercial Loan Officer is primarily responsible for making and servicing business and individual loans that involve significant amounts of both secured and unsecured loans which could be complex in nature. Handles both large and small credits.Essential Duties And ResponsibilitiesMonitors and manages existing credit relationships which include note renewals, reviewing and detailed analysis of current financial statements, and collateral valuations, credit analysis, cash flow analysis, delinquency reporting, documenting exceptions, and covenant monitoring; compiles report necessary to monitor asset and credit quality and compliance with policy/regulation.Negotiates loan proposals; analyzes and evaluates credit requests and writes loan commitments; recommends appropriate credit grade; makes written loan memos/presentations for credit approval; implements approval or declination action.Develops new business through identifying and calling on existing or prospective customers; promotes and cross-sells Bank's services; works with Bank operation areas to ensure that quality service is provided.Facilitates resolution of operational problems for customers within the operational areas of BancFirst Mid-Del.Serves as the primary linkage and referral source for all financial services to the individual client with BancFirst (i.e., Treasury Services, BancFirst Insurance Services, SBA Department, merchant services and Trust).Participates in community and professional activities in order to enhance Bank's image and expand personal network of contacts for development of new business.Perform other job related duties and projects as assigned.Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.RequirementsExtensive knowledge and understanding of commercial lending practicesAdvanced knowledge of accounting principles and practicesDemonstrated capacity to sell products/services within the financial services industryExtensive understanding of credit underwriting, documentation, loan policy, and regulationsExtensive knowledge of financial analysis including ratio and trend analysis and projectionsSpecialized knowledge of the Oklahoma City MarketExcellent communication skills with the ability to prepare and deliver persuasive verbal and written reports and presentationsEfficient computer skills including knowledge of word processing, spreadsheet applications, and financial analysisPreferred SkillsBilingual (Spanish) a plusBachelor's Degree5+ years of experience in commercial lending for a commercial bankPhysical RequirementsConstant use of computer screensAbility to operate a computer keyboardIntermittently standing, stooping, bending at the waist, walking, kneeling or crouchingLong periods of typing and repetitive motionAbility to lift and/or move and carry 5 poundsHometown service, statewide strength. BancFirst is committed to investing in the future of Oklahoma communities. BancFirst is a $14 billion bank offering personal and commercial products, trust, insurance, and investment services in sixty Oklahoma communities. Employees enjoy excellent benefits and a learning environment that allows them to continuously improve their skills to deliver highly personalized service to customers. EOE - BancFirst is an Equal Opportunity employer.Diversity…Our differences enhance business performance.