Commercial/Ag Loan Officer

Essential Functions & Key Areas of Responsibility Actively participate in new business development program. Interview applicants for commercial, Ag and consumer loans and negotiate credit terms such as costs, loan repayment methods and collateral specifications. Structure and analyze new and renewed loan requests and make loans within lending authority. Close loans, complete file documentation, and maintain files. Manage all aspects of an assigned portfolio of loans and relationships. Monitor compliance with loan policies and appropriate regulations. Collect past due loans or work with Loss Mitigation staff in collection of delinquent accounts. Send financial statements to credit analysts for spreading and analysis. Handle customer service matters and inquiries for lending and non-lending issues. Advise and assist commercial loan staff with resolutions for customers with difficult issues. Provide informal training and guidance for less experienced lenders. Participate in community activities and organizations. Cross sell all company products and services; refer appropriate banking opportunities to other departments and personnel. Serve as member of the Bank’s Officer Loan Committee and participate in other ad hoc committee activities. Manage technical and policy exceptions. Perform other related duties as assigned. Education and Experience Requirements: High school diploma or equivalent Education and Experience Preferences 4-year college degree (accounting, business, finance, management or related) and 2 years relevant experience - or equivalent combination of education & experience Sales experience Extensive knowledge of loan guidelines, products and services Knowledge of and/or experience with SBA guaranteed and rural development B & I loan programs, FSA loan programs Opportunity Bank of Montana is an equal opportunity employer. It is the policy of Opportunity Bank to provide equal employment opportunity within the Bank and motivate cooperation toward the goal of hiring and promoting available qualified personnel without regard to their race, gender, color, national origin, sex, age, religion, disability, veteran status, marital status, sexual orientation, or any other legally protected status. Equal Opportunity Employer This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor. #J-18808-Ljbffr Opportunity Bank of Montana