Commercial Loan Officer - Neosho, MO

Job Description

Job Description

Southwest Missouri Bank is looking for an experienced Commercial Loan Officer to join our team! Our Loan Officers are responsible for developing new business, structuring, underwriting, pricing and documentation of loans, as well as maintaining and servicing an existing portfolio. This position will prepare and service commercial and consumer loans. Our Lenders are responsible for cross selling other applicable bank products and services as well as handle customer service inquires.

Duties/Responsibilities:

• Supports and promotes the trust that SMB is truly customer driven, assisting to assure consistent and efficient customer service excellence.
• Facilitate credit requests, including loan structuring, negotiating/pricing, collateral, ensure adequate loan documentation, and analyze industry/credit risk.
• Critically review and analyze portfolio to reduce risk and enhance profitability.
• Works directly with loan collection area in efforts to collect on past due loans.
• Sells and cross sells bank products and services to personal and business customers, either directly or through referrals.
• Calls on potential or existing customers to develop new relationship business customers and increase or retain existing relationships.
• Participate in outreach activities with assigned customers and target prospects with the objective to acquire new business.
• Complies with laws and regulations governing the lending function.
• Analyze potential loan markets and develop referral networks to locate prospects for loans.
• Performs additional duties as assigned by supervisor relating to the bank and its functions.

Required Skills/Abilities:

• Thorough knowledge of consumer and commercial products, credit policies, procedures and terminology.
• Inquisitive, agile and strong team player with excellent written, verbal and interpersonal communication skills.
• Motivated and organized self-starter with strong attention to detail and the ability to manage multiple priorities.
• Excellent persuasive and negotiation skills with well-developed sales skills.
• Excellent time management skills with a proven ability to meet deadlines.
• Strong analytical and problem-solving skills.
• Proficient with Microsoft Office Suite or related software.

Education and Experience:

• Bachelor's Degree in Business, Finance, or related field.
• Three to Five years of lending experience within a bank required.
• Commercial and/or Agricultural lending experience required.

Physical Requirements:

• Prolonged periods of sitting at a desk and working on a computer.
• Must be able to lift up to 15 pounds at times.
• Must be able to travel at times.

Southwest Missouri Bank is an equal opportunity employer. All qualified applicants will receive consideration without regard to race, religion, color, national origin, sex, age, disability, status as a protected veteran, or any other characteristic protected by applicable federal, state or local laws.