Commercial Loan Officer

Position Commercial Loan Officer Location St. Charles, IL Job Id 4657 # of Openings 1 Compensation and Benefits Base salary is one component of our Total Rewards program. Exact compensation is determined by factors such as education, skills, internal equity, and experience. This position offers additional compensation in the form of discretionary short‑term incentives (bonus, incentives, and/or commission). Benefits include comprehensive healthcare, well‑being benefits, paid family leave, generous paid time off, banking perks, tuition reimbursement, an Employee Stock Purchase Plan, and a 401(k) plan with company match. Incentives and benefits are subject to eligibility requirements. Job Summary Develops, manages, and grows agricultural, SBA, commercial, and/or commercial real estate loans that meet established commercial lending criteria and provide maximum profitability to the Bank at minimum risk. Develops and increases commercial and retail deposit accounts. Responsibilities Ensures the asset quality of the assigned loan portfolio. Reviews delinquency reports with direct supervisor to ensure proper collection efforts are being utilized to manage the credit risk of the portfolio. Maintains low loan delinquency and ensures that there are no administrative past due loans. Communicates timely and in a comprehensive manner with supervisor concerning any credit that is experiencing stress. Manages, supervises, and grows individual loan and commercial deposit portfolios. Develops and maintains existing customer base and builds customer satisfaction and confidence in the Bank. Works effectively with personnel in the Credit Administration Department. Solicits new customers and negotiates rate and loan terms (for both new and renewal loans) in a competitive and price sensitive environment. Cross‑sells other bank services to customers i.e. retail deposits, cash management, retail lending and wealth management services. Works with a predetermined lending limit to analyze customer credit applications; balance sheets and profit and loss statement; and cash flow projections in order to make sound loan decisions and predict future repayment capacity. Coordinates these efforts with personnel in the Credit Administration Department. Makes recommendations to loan committee on new and renewal loans for amounts above lending limit. Participates as a member of various Bank committees as assigned. Represents the Bank and provides leadership in key community activities and committees. Participates in professional associations; attends conventions, conferences and seminars. Completes required training associated with job function. Performs related duties as assigned. Education / Experience Bachelor's degree in Finance or Business Administration or the equivalent of specialized training in commercial and/or consumer lending and overall bank management. 5+years of experience in commercial lending with relevant knowledge of CRE and C&I lending. Skills Thorough knowledge of company’s products and services. High level of analytical skills to conduct loan analysis and maintain loan progress in consideration of market trends, credit/interest rates, economic conditions and other factors. High level of interpersonal skills to interact with customers and potential customers in a professional manner. Adequate knowledge of both internal policies and procedures and the respective state and federal laws and regulations governing departmental functions to ensure performance of individual job duties within the proper control environment. Total Rewards Competitive health, dental & vision coverage with HSA match. 401(k) with employer match and Employee Stock Purchase Plan. Generous PTO, paid holidays & parental leave. Tuition reimbursement & performance‑based bonuses. First Mid Bancshares, Inc. is an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, gender identity, sexual orientation, protected veteran status, or any other applicable federal or state‑protected classification. THIS JOB DESCRIPTION DOES NOT CONSTITUTE A CONTRACT FOR EMPLOYMENT. #J-18808-Ljbffr