Commercial Banking Officer-Joplin

Guaranty Bank; Joplin (MO); On-site; USD 50,000 - 90,000; Full time

Job summary

An established industry player is seeking a Commercial Banking Officer to drive the growth of commercial banking relationships. In this pivotal role, you will identify potential businesses, analyze credit requests, and manage loan portfolios. Your expertise in financial analysis and communication will be key as you oversee the loan process and ensure compliance with regulatory policies. Join a team dedicated to fostering diversity, equity, and inclusion, and make a significant impact in the financial sector while enjoying a collaborative and supportive work environment.

Qualifications

• 5+ years of experience in a financial institution required.
• Strong analytical and business judgment skills are essential.

Responsibilities

• Originate and maintain commercial banking relationships.
• Manage portfolios and ensure loan maturities and renewals.

Skills

Analytical Skills

Communication Skills

Business Judgment

Education

Bachelor’s degree in business administration

Bachelor’s degree in Finance

Bachelor’s degree in Accounting

Job description

TITLE: Commercial Banking Officer

JOB FAMILY: Commercial Lending

DEPARTMENT: Credit

PAY GRADE & FLSA: 8, Exempt

JOB SUMMARY:

The Commercial Banking Officer will originate and maintain commercial banking relationships. This role will entail identifying potential commercial businesses, interviewing applicants, analyzing data, approving or denying credit requests, managing portfolios, communicating decisions, and closing approved loans.

ESSENTIAL FUNCTIONS:

1. Oversee entire loan process to ensure that loan closings contain appropriate credit approval.
2. Support collateral documentation and perfection.
3. Monitor loan relationships, gather ongoing financial and other information from clients, and correct documentation.
4. Manage portfolios and ensure annual loan maturities and renewals.
5. Oversee daily overdrafts, both personal and corporate, within designated limits.
6. Obtain approval from CLO, CCO, or bank president, as needed.
7. Attend bank Loan Committee meetings as necessary and present Loan Committee presentations to acquire necessary approval.
8. Participate in other bank meetings and trainings as requested by supervisors and other bank officers.
9. Comply with all company or regulatory policies, procedures, and requirements that are applicable to this position.
10. Foster and preserve a culture of diversity, equity, and inclusion.
11. Additional duties and responsibilities may be required to support the company’s mission, vision, and values.

QUALIFICATIONS:

1. Bachelor’s degree in business administration, Finance or Accounting.
2. Minimum five years of experience in a financial institution.
3. Strong analytical and business judgment skills.
4. Excellent verbal, written, and interpersonal communication skills.
5. Duties performed in a professional office environment.

WORKING CONDITIONS:

1. Duties performed in a professional office environment.

At Guaranty Bank, we are committed to fostering and preserving a culture of diversity, equity, and inclusion and strongly believe that it's our differences - of all kinds - that make our company and our communities better and stronger.

Guaranty Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, disability, age, sexual orientation, gender identity, national origin, veteran status, or other protected class status.

It is the policy of Guaranty Bank to comply with the Americans with Disabilities Act by providing reasonable accommodations to enable qualified individuals with disabilities to access the job application and interview process, to perform the essential functions of the job, and to receive equal access to other benefits and privileges of employment.