Loan Officer

Loan Officer Manages a portfolio of all types of loan/depository accounts. Responsible for prospecting new customers and cross-selling other banking services. $75,000 - $100,000 Annually Responsibilities Prospects new customers and solicits new loans. Cross-sells other banking services to new and existing customers. Makes continued contact with customers to ensure good relations. Manages portfolio of account relationships, including reviews, problem solving, research and resolution of internal errors. Interviews loan applicants: gathers and evaluates financial data to establish creditworthiness. Monitors customers' financial condition. Reviews and approves or denies loan requests up to a pre-determined limit; prepares action memos for management; presents credits exceeding authority to loan committee; may serve and vote as member of loan committee. Monitors loan repayment activities and takes necessary action to collect past-due accounts. Participates in preparation of department budget, goals, objectives and strategic planning. Participates in civic and community organizations representing the bank and attends customer and bank-sponsored events. Performs other related duties as assigned by management. Qualifications Ability to maintain regular and reliable attendance. Knowledge of agriculture, commercial and consumer lending procedures. Knowledge of credit structuring. Knowledge of general banking principles. Knowledge of sales and marketing practices and principles. Skill in communicating with clients and co-workers in courteous and professional manner. Skill in operating computer terminals and printers. Skills in pricing loans. Ability to maintain a high level of confidentiality. Ability to problem solve. Ability to make sound decisions using information at hand. Ability to demonstrate accuracy and efficiency in a fast-paced environment. Ability to function as a team player. College degree preferred. Three years lending experience is preferred. Benefits Benefits for employees working at least 35 hours per week include 8 paid holidays; 17 PTO days each year for the first five years of employment (employees must complete 90-day introductory period prior to accruing PTO); 16 hours of paid sick time upon hire date; health, dental, prescription drug card, vision, and voluntary life insurance plans; health savings account with employer contributions; flexible medical and dependent care spending plans; 401K plan after 3 months and start of next quarter with employer contributions and profit sharing; $50,000 group term life insurance; long term disability insurance and employee assistance program. If working less than 35 hours per week, above benefits are modified. #J-18808-Ljbffr