Business & Personal Lending Officer

First State Community Bank; Macon (MO); On-site; USD 60,000 - 75,000; Full time

Benefits offered by this job

Competitive pay and benefits

Team-based variable compensation

401(k) with employer match

Career growth opportunities

Community-focused culture

Job summary

First State Community Bank in Macon, MO, seeks a relationship-driven Business & Personal Lending Officer to originate and manage consumer, mortgage, and light commercial loans, build trusted partnerships, and deliver tailored lending solutions that help families and local businesses succeed.

You will analyze financial information, assess credit risk, and collaborate with internal teams to ensure a seamless customer experience while growing loan portfolios, deposits, and referral opportunities in

Qualifications

• Bachelor's degree preferred but not required.
• Experience in customer and light commercial banking with loan origination, underwriting and portfolio management.
• Strong financial analysis skills including DTI, LTV, DSCR, tax returns and cash flow.
• Proven ability to build long-term customer partnerships through consultative sales.
• Solid knowledge of banking regulations and compliance requirements (RESPA, HMDA, Reg Z, Reg B, CRA, BSA).
• Experience supporting loan portfolios post closing with documentation and monitoring.

Responsibilities

• Build long-term relationships with consumers and business owners.
• Identify financial needs and deliver personalized lending and banking solutions.
• Originate and manage consumer, mortgage, and light commercial loans.
• Analyze financial information and make sound credit recommendations.
• Partner with internal teams to deliver a seamless customer experience.
• Grow loans, deposits, and referral opportunities while maintaining strong credit culture.
• Monitor portfolio health and proactively support customer success.

Skills

Relationship-building

Sales skills

Credit analysis

Regulatory compliance

Problem solving

Attention to detail

Customer service

Community focus

Education

Bachelor's degree in business/finance

Job description

Job DetailsJob Location: Macon - Macon, MO 63552Position Type: Full TimeBusiness & Personal Lending Officer

Help People Succeed. Help Communities Grow.

At FSCB, we're looking for a relationship-driven lender who enjoys helping individuals and businesses reach their financial goals. As a Business & Personal Lending Officer, you'll build trusted partnerships, provide lending solutions, and support the financial success of the communities we serve.

What You'll Do

• Build long-term relationships with consumers and business owners.
• Identify financial needs and deliver personalized lending and banking solutions.
• Originate and manage consumer, mortgage, and light commercial loans.
• Analyze financial information and make sound credit recommendations.
• Partner with internal teams to deliver a seamless customer experience.
• Grow loans, deposits, and referral opportunities while maintaining a strong credit culture.
• Monitor portfolio health and proactively support customer success.

What Makes You Successful

• Strong relationship-building and sales skills
• Financial and credit analysis experience
• Sound judgment and problem-solving ability
• Attention to detail and regulatory compliance knowledge
• A passion for helping customers and communities thrive

Why FSCB?

• Competitive pay and benefits
• Team-based variable compensation program
• 401(k) with generous employer match
• Supportive leadership and career growth opportunities
• A stable, community-focused organization where people come first

At FSCB, you'll do more than make loans. You'll help families achieve milestones, support local businesses, and make a meaningful impact in the communities we call home.

Qualifications

• Bachelor's degree in business, finance, or a related field preferred but not required
• Experience in customer and light commercial banking, with demonstrated ability to originate, underwrite, and manage installment, real estate, and small business loan products and portfolios.
• Strong financial analysis skills, including evaluation of debt to income (DTI), loan to value (LTV), DSCR, credit reports, tax returns, basic balance sheet analysis, and basic cash flow
• Proven ability to build long-term customer partnerships through consultative, relationship and needs based conversations, and a consistent, value driven sales approach
• Solid working knowledge of banking regulations and compliance requirements, including RESPA, HMDA, Reg Z, Reg B, CRA, BSA, and Flood Determination, and ability to interpret and apply organizational policies consistently
• Experience support loan portfolios post closing, including monitoring performance, addressing delinquency, coordinating escrow requirements, and maintain accurate and current documentation including, but not limited to, financial statements, tax returns, and other collateral monitoring reports.

PHYSICAL REQUIREMENTS

• Must be able to remain in a stationary position for long durations (e.g., 6 to 8 hours with breaks).
• Occasionally required to stand or walk short distances.
• Manual dexterity for using keyboard, mouse, and telephone system.
• Visual acuity to read computer screens and written documents.
• Occasionally lifting office supplies, files and small packages (typically up to 10 to 25 lbs.)
• Ability to hear and understand spoken communication, including customer (internal and external) inquiries and phone conversations.
• Ability to speak clearly and be understood in person over the phone

Additional Information

Being a First Stater . . .

Being a First Stater means that you roll up your sleeves and dig in. It means you work hard and do your best. It means you enjoy learning new skills and are always eager to improve. It means that you help the team by being a great teammate. It means you're passionate about making a difference in the lives of our customers and our communities. It means you consistently find new ways to improve our organization.

First State Bancshares Inc. is an Equal Opportunity Employer. All your information will be kept confidential according to EEO guide.