Junior Loan Officer

About BTC Bank

BTC Bank is a community bank founded on the traditional values of personal customer service. Our continued tradition of serving our friends and neighbors with courteous, professional banking services maintains its standard of excellence today. We strongly support our local communities. We are proud of the roots of our past and prepared for the growth in our future.


Location: This position will be based out of our Beaman, MO location.


Hours: Monday-Friday 8am-5pm, Rotating Saturdays Schedule

Job Purpose: Evaluate, authorize, or recommend approval of commercial, real estate, or credit loans. Advise borrowers on financial status and payment methods.


Duties and Responsibilities:

• Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
• Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
• Meet with applicants to obtain information for loan applications and to answer questions about the process.
• Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
• Review loan agreements to ensure that they are complete and accurate according to policy.
• Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
• Handle customer complaints and take appropriate action to resolve them.
• Set credit policies, credit lines, procedures and standards in conjunction with senior managers.
• Stay abreast of new types of loans and other financial services and products to better meet customers' needs.
• Review and update credit and loan files.
• Submit applications to credit analysts for verification and recommendation.
• Compute payment schedules.
• Confer with underwriters to aid in resolving mortgage application problems.
• Market bank products to individuals and firms, promoting bank services that may meet customers' needs.
• Work with clients to identify their financial goals and to find ways of reaching those goals.
• Negotiate payment arrangements with customers who have delinquent loans.
• Analyze potential loan markets and develop referral networks to locate prospects for loans.
• Prepare reports to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action.

Qualifications:

• Bachelor's degree in Economics, Finance or similar area is useful but not required.
• One to two years previous experience in lending or banking.
• Excellent verbal and written communication skills, including ability to effectively communicate with internal and external customers.

Physical Requirements:

• This position requires manual dexterity, the ability to lift files and open filing cabinets. This position requires bending, stooping or standing as necessary.
• Ability to safely and successfully perform the essential job functions consistent with the ADA, FMLA and other federal, state and local standards, including meeting qualitative and/or quantitative productivity standards.
• Ability to maintain regular, punctual attendance consistent with the ADA, FMLA and other federal, state and local standards.
• Must be able to communicate clearly and effectively with others

To learn more about BTC Bank visit


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