Bank Loan Officer

AVAILA BANK; Carroll (IA); On-site; USD 45,000 - 75,000; Full time

Benefits offered by this job

Medical, Dental & Vision Plans

Health Savings Account (HSA)

Life Insurance (Company paid for employee)

401K and Employee Stock Ownership Plan (ESOP)

Company Paid Short & Long Term Disability Insurance

Flexible Spending Account (FSA) & Dependent Care

Tuition Assistance and Discounts

Employee Assistance Program (EAP)

Job summary

An established industry player in the banking sector is seeking a dedicated Bank Loan Officer to join their team. This role offers a unique opportunity to engage with clients, providing exceptional service while managing agricultural and commercial loans. The ideal candidate will possess strong analytical skills and a knack for sales, ensuring that client needs are met effectively. In this full-time position, you will contribute to the financial success of the community by building relationships and offering tailored banking solutions. Join a team that values individual differences and empowers its members to make a real impact.

Qualifications

• Minimum 3 years in banking or lending environment.
• Exceptional oral and written communication skills required.

Responsibilities

• Generate, approve, and maintain quality agriculture and business loans.
• Develop client relationships and manage the credit application process.

Skills

Customer Service

Sales and Negotiation

Credit Analysis

Communication Skills

Organizational Skills

Education

High School Diploma

Bachelor's Degree in Business

Tools

Microsoft Word

Microsoft Excel

Microsoft Outlook

Job description

Availa Bank believes our people make a difference and we recognize that individual differences and experiences strengthen our teams. Each member of our team is empowered to inspire and enable our clients and the communities we serve to achieve financial success. Click the Apply link to find out more.

This is not a remote position.

BANK LOAN OFFICER POSITION SUMMARY

This position is responsible for generating, approving, and maintaining quality agriculture and/or business loans for the bank's portfolio.

BENEFITS

Availa Bank offers a rich selection of benefits you can personalize to support you and your family's needs. Benefits may include:

• Medical, Dental & Vision Plans
• Option for Health Savings Account (HSA)
• Life Insurance (Company paid for employee)
• 401K and Employee Stock Ownership Plan (ESOP)
• Company Paid Short & Long Term Disability Insurance
• Flexible Spending Account (FSA) & Dependent Care
• Eligibility for Tuition Assistance and Discounts
• Employee Assistance Program (EAP)

BANK LOAN OFFICER ESSENTIAL DUTIES AND ACCOUNTABILITIES

• Responsible for sourcing new client relationships and expanding current client products and services by proactively developing pipeline activity for profitable new revenue growth. Primary products are loans, deposits, treasury management services and fees associated with these and other products.
• Responsible for soliciting, establishing, and maintaining new agricultural and commercial/business banking relationships within an identified portfolio or market area.
• Provide a high level of customer service by assuring that the products meet the client's expectations. Work with clients through difficult/complicated issues that may arise and will function as a liaison between the client and bank operations area to make certain all client needs are met.
• Analyze all credit applications utilizing sound underwriting credit analytics.
• Make recommendations for new loan products and services.
• Handle collections on delinquent loans; monitor the quality of existing loans.
• Will adhere to and remain current with bank policy, procedures, lending laws and regulations.
• Maintain a high level of customer confidence, assumes a leadership role within the bank and community by participating in projects and activities.
• Manage the credit application process to approve, deny or recommend credit action for loan applications within an acceptable customer service and regulatory timeframe.
• Maintain loan quality by striving for low incidence of incomplete documentation or regulatory violation.
• Will maintain knowledge of products and services offered by competitors and other vendors.

BANK LOAN OFFICER ROLE QUALIFICATIONS

Education

• High school diploma or equivalent required
• Bachelor's degree preferred, ideally in a business-related discipline

Experience

The ideal candidate will have:

• Minimum 3 years in the banking or lending environment
• Minimum of 2 years of credit experience
• Minimum of 2 years of sales and negotiation experience

Other Skills and Abilities

• Proficient in Word, Excel, and Outlook
• Exceptional oral, written, and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, interpret documents, understand procedures, write reports and correspondence, speak clearly to customers and employees
• Exceptional organizational and time management skills; ability to function well in a demanding environment
• Travel to/from and work in multiple locations

Seniority level

Entry level

Employment type

Full-time

Job function

Finance and Sales

Industries

Banking