Commercial Lender

The Agency Recruiting; Marinette (WI); On-site; USD 50,000 - 70,000; Full time

Job summary

A local financial institution in Wisconsin is looking for a Loan Officer to manage client relationships and drive loan portfolio growth. The ideal candidate has a strong sales background with a minimum of three years in a related role. This position involves engaging with clients to understand their financial needs and maintaining a professional image while navigating the lending process. Competitive compensation and professional growth opportunities offered.

Qualifications

• Minimum of 3 years in a sales-driven role with a proven track record.
• Registered MLO with NMLS or willingness to obtain upon hiring.
• Strong bonus for experience in banking, finance, or mortgage lending.

Responsibilities

• Proactively seek and develop new business relationships for loans.
• Meet and exceed sales targets driving loan volume.
• Evaluate loan applications, including credit history and income verification.

Skills

Sales skills

Client relationship management

Negotiation skills

Analytical skills

Time management

Education

Associate's degree in Business, Marketing, or related field

Tools

Microsoft Office

Banking software

Job description

Overview

LOAN OFFICER

Essential Duties and Responsibilities include the following. Other duties may be assigned.

Client Acquisition & Relationship Management

• Proactively seek and develop new business relationships to grow loan portfolio.
• Build trust with clients by understanding their financial needs and offering tailored lending solutions.
• Maintain ongoing communication with clients, ensuring a positive and transparent loan process.
• Recording and submitting weekly referral/leads in the loan department WIP report.
• Develop and maintain both new and existing referral sources in the Marinette and Crivitz market areas that will increase business; generate leads, expand the customer base and develop revenue opportunities. (Attorneys, CPA, Business Leaders, Chamber, Community Organizations)
• Network within the Marinette and Crivitz Markets. Develop one key organization in each market to generate strategic partnerships and build bank awareness through a committee or participation in Community Events as approved by the Head of Lending.

Sales & Business Development

• Originate in-house and secondary market loans for qualified applicants.
• Meet and exceed sales targets by driving loan volume and revenue growth.
• Represent the bank in the community by networking and attending industry events.
• Partner with branch Banking Retail team that will increase business; generate leads, expand the customer base and develop revenue opportunities.
• Meet the needs of customers by assessing their needs and cross selling products and services.

Loan Origination & Processing

• Meet with applicants to obtain information for loan applications and answer questions about the process.
• Approve loans within specified limits and refer applications beyond those limits for management review.
• Evaluate loan applications, including credit history, income verification, and collateral assessment.
• Stay up to date with industry trends, new loan products, and regulatory requirements.
• Maintain knowledge of current lending guidelines, regulations, and industry trends.

Performance Factors

To perform the job successfully, an individual should demonstrate the following competencies:

• Strong sales and business development skills with a results-driven mindset.
• High level of professionalism, thoroughness, and loan quality focus.
• Ability to prioritize workload and manage responsibilities effectively.
• Strong negotiation, persuasion, and client relationship management skills.
• Commitment to maintaining confidentiality and compliance with banking regulations.
• Proficient in Microsoft Office and willing to learn banking software programs.
• Maintain an acceptable attendance record and represent the bank in a professional and positive manner.

Certificates and Licenses

Registered MLO with NMLS (or willingness to obtain—training provided).

Notary (or willingness to obtain).

• Required:
  • Associate’s degree in Business, Marketing, or a related field, or 3 – 5 years relevant experience.
  • Minimum of 3 years in a sales-driven role with a track record of meeting or exceeding sales targets.

• Preferred:
  • Experience in banking, finance, or mortgage lending.
  • Bachelor’s degree in Business, Marketing, or a related field.
  • Experience with SBA loan programs

Partnership

The ability to be an effective role model and support loan and branch employees daily. Ability to demonstrate a positive/can-do attitude. Ability to show value and respect to those with different styles, abilities and motivations.

Customer Service

Demonstrates a positive and helpful attitude toward customers, understands their importance to FMBT. Establishes and maintains good relationships through interactions or work completed. Projects a positive and professional image of FMBT.

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

Specific vision abilities required by this job include close vision. While performing the duties of this job the employee is regularly required to sit. The employee is frequently required to talk, hear and lift up to 25 pounds. The employee is occasionally required to stand, walk, climb stairs, bend and kneel.

EOE Statement: Farmers & Merchants Bank & Trust is an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, sex, religion, sexual orientation, gender, national origin, disability status, genetic information, pregnancy, protected veteran status or any other characteristic protected by law.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The above statements are intended to describe the general nature and level of work being performed by people assigned to the classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified.