Commercial Lender

Community National Bank

Seneca (KS)

On-site

USD 60,000 - 80,000

Full time

14 days+

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Benefits offered by this job

Medical insurance

Vision insurance

401(k)

Job summary

A regional financial institution is seeking a mid-senior level loan officer responsible for managing and growing the construction and consumer loan portfolio. The ideal candidate will develop customer relationships, analyze loan applications, and ensure compliance with banking regulations. A bachelor's degree in finance or business management and 3-5 years in bank lending is preferred. This full-time role offers benefits including medical and vision insurance along with a 401(k).

Qualifications

3-5 years of experience in bank lending, loan review, or related field preferred, 2-4 years required.
Must be eligible for a NMLS license.
Must be eligible for a Credit Life license.

Responsibilities

Develop and retain existing consumer relationships and generate new business.
Interview applicants to determine loan requirements and gather information.
Analyze applicant information to determine feasibility of granting loans.

Skills

Communication skills

Organizational skills

Time management

Detail oriented

Self-starter

Education

Bachelor’s degree in finance, business management or related field

Tools

Microsoft Office (Word, Excel, PowerPoint)

Job description

Position Mission

This position is responsible for assisting with the management and growth of Construction/consumer loan portfolio.

Major Duties

Develop and retain existing consumer relationships and generate new business through loans, business accounts, and services
Interview applicants to determine loan requirements and gather pertinent information for loan applications.
Analyze applicant information to determine feasibility of granting loans within loan policy.
Approve loan within specified limits or champion loan opportunities to the credit department and/or Committee for proper approval.
Resolve uncertainties relating to customer application information through inquiries with applicant or creditors.
Negotiate and/or recommend credit terms, costs, loan repayment strategies, and collateral specifications
Explain to the customer the different types of loans and credit options that are available, as well as the terms of those services
Review loan agreements and make sure that they are complete and accurate
Ensure timely loan closing and funding activities
Maintain customer relationships through regular communication and follow up
Maintain up to date knowledge on banking laws, regulations, compliance issues, and bank policies
Maintain a positive working relationship with customers, bank staff, local professionals, centers of influence, and community organizations.
Manage loan portfolio including renewals, modifications, updated credit analysis, collections, and portfolio monitoring.
Uses experience and sound judgment to plan and accomplish goals.

General Responsibilities

Support CNB’s strong relationship culture through quality customer service and superior product knowledge
Provide superior customer service by resolving problems efficiently and responding timely
Identify and implement solutions to problems in general and urgent matters
Actively seek to add and enhance knowledge regarding developments and current trends in the industry
Seek counsel of supervisor on issues as appropriate
Work collaboratively with staff to maintain a team environment
Flexible to accept additional assignments as requested by leadership
Cross train for other positions to cover when necessary
Professionalism while representing CNB (onsite, professional and community events and via communications)
Participate and attend meetings as requested
Recommend policies and procedures as it relates to area of responsibility
Timely responses to inquiries for information to customers, staff and vendors
Answer telephone calls and provide a prompt response
Follow CNB’s policies and procedures
Other duties as assigned

Qualifications

Bachelor’s degree in finance, business management or related field preferred
Must be eligible for, or already qualified for a NMLS license
Must be eligible for a Credit Life license
3-5 years of experience in bank lending, loan review, or related field preferred, 2-4 years required
Requires a high degree of confidentiality
Knowledge of accounting and workflow software, and Microsoft office (word, excel, PowerPoint, etc.)
Exceptional communication skills, organizational skills, time management skills and be a self-starter
Detail oriented and ability to self-audit work to ensure accuracy
Experience in Construction and Mortgage Lending preferred
Requires being reliable, responsible, and dependable to fulfill the obligations of this role

Physical Demands

The physical demands described are representative to those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee must be able to stand and sit for extended lengths of time, read computer screens, talk on the phone, unpack and move supplies up to fifty (50) pounds, reach, kneel, bend, climb and balance. Vision abilities required for this job include close vision.

While performing the duties of this job, the work environment is primarily a professional, deadline driven environment with interaction of internal team members and external customers. Noise level in the work environment can be loud.

Additional Duties

This job description is only a summary of the typical functions of this position, not an exhaustive nor all-inclusive list of the possible responsibilities, tasks, duties, knowledge, skill and ability required to perform this job. Additional duties and responsibilities may be added to this job description at any time. The job description does not state or imply that these are the only activities to be performed by the employee(s) holding this position. Employees are required to follow any other job‑related instructions and to perform any other job‑related responsibilities as required.

EEO Statement

In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate individuals. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential functions. However, no accommodations are made which may pose serious health or safety risks to the team member or others, or which impose undue hardships on Community National Bank. An individual seeking an accommodation should contact the Human Resources Manager or CEO.

Benefits