Junior Loan Officer

Junior Loan OfficerJunior Loan Officers work alongside established ag and commercial lenders to learn the industry, and market area, and learn the rules and regulations. Time will be spent on the credit analysis side of banking as well.Junior Loan Officer RequirementsBachelor's degree in business, finance, or accountingBanking background preferredJunior Loan Officer ResponsibilitiesAcquisition, expansion, and retention of commercial relationships using a proactive calling strategyCross-sell ancillary products and services of the bankAnalyze credit history of applicants and determines loan repayment capabilitiesNegotiate credit terms, such as costs, loan repayment methods, and collateral specificationsDevelop and maintain interest rate structure to be consistent with financial institution policies and procedures, and to be competitive with current market rates.Evaluate potential customer loan requests and make loan recommendations to managementDaily review, approval, and disposition of commercial overdraftsReview new laws and regulations that influence business lending within the financial institution and make recommendations to management when necessaryProvide assistance and recommend training for new commercial loan officersDevelop new customer prospects and businessRepresent the bank in the local community through active participation in community affairsThis opportunity includes an excellent compensation and benefits package. This bank prides itself on retaining employees and has one of the best tenure backgrounds in the area.