Commercial Loan Officer

Southern Bank; Dexter (ME); On-site; USD 60,000 - 90,000; Full time

Job summary

Southern Bank is seeking to fill a full-time position focused on managing commercial credit relationships at the Dexter Branch. The role involves building strong relationships in agriculture-based lending, overseeing loan production, and mentoring the branch staff. Ideal candidates will have excellent sales and communication abilities, a Bachelor’s degree, and 2-5 years of experience in lending.

Join Southern Bank to make a significant impact in the community while fostering collaborative relationships and driving innovative lending solutions.

Qualifications

• Bachelor’s degree in business or finance required.
• 2-5 years’ experience in lending or related field.

Responsibilities

• Manage commercial lending relationships.
• Direct business development activities.
• Participate in bank loan committees.
• Mentor branch staff and promote learning.

Skills

Sales skills

Organizational skills

Interpersonal skills

Communication skills

Education

Bachelor’s degree in business or finance

Job description

JOB DETAILS

Job Location: Dexter Branch - Dexter, MO 63841
Position Type: Full Time

PRIMARY PURPOSE OF JOB

Manage commercial credit relationships in addition to some consumer mortgage and auto loans. Create and maintain close relationships with all parties involved in loan transactions while facilitating sales through the structuring of creative and appealing loan products. This is a commercial lender position focused on building and managing agriculturally based relationships.

ESSENTIAL FUNCTIONS AND PERFORMANCE AREAS

• Manage commercial and consumer lending relationships
• Serve as a market/branch leader in loan production
• Direct and implement business development activities for both new and assigned loan relationships
• Analyze loan requests primarily related to the assigned lending portfolio
• Serve as a source of information for less qualified consumer lenders
• Oversee and, as required, manage the collection and legal actions for various loan relationships in concert with the Special Assets Administrator, Chief Lending Officer, Regional President, Market President, and Community Bank President
• Participate in various bank loan committees as designated
• Be active in community events of the branch, which may include assisting in planning and execution
• Make recommendations to management regarding product improvement or changes
• Mentor branch staff, promoting an atmosphere of coaching and learning
• Refer depository and other business lines from the customer base to the Branch Retail Manager

QUALIFICATIONS

KNOWLEDGE, SKILLS AND ABILITIES

• Excellent sales, organizational, managerial and interpersonal skills
• Excellent oral and written communication skills

EDUCATION, TRAINING AND EXPERIENCE REQUIREMENTS

• Bachelor’s degree in business or finance (sales/loan experience may be considered in lieu thereof)
• Two to five years’ experience with lending or commensurate experience

DESIGNATION

The position can be designated as a Level I, II, or III. The designation is determined by the lender’s experience, complexity of loan requests, size of portfolio, loan production, and supervisor recommendation.

CORE COMPETENCIES

• Family & Trust: Build relationships based on trust and mutual respect, maintain an inclusive and honest environment, and uphold integrity and transparency in all interactions.
• Rooted & Service: Commit to serving customers, communities and teams with purpose, professionalism, and respect, and effectively communicate and actively listen to meet their needs.
• Innovation & Strength: Foster collaboration and continuous improvement, encourage visionary thinking, and strive for excellence to drive the organization forward.
• Self-Motivated: Demonstrate willingness to commit to one's work and invest time, talent, and best efforts to accomplish organizational goals.
• Building Customer Loyalty: Effectively meet customer needs, build productive customer relationships, and take responsibility for customer satisfaction and loyalty.
• Sales Ability / Persuasiveness: Use appropriate interpersonal styles and communication methods to gain acceptance of a product, service, or idea from prospects and clients.