Commercial Loan Officer

ANTWERP EXCHANGE BANK; Harlan (IN); On-site; USD 60,000 - 110,000; Full time

Benefits offered by this job

401(k)

Dental insurance

Health insurance

Paid time off

Training & development

Vision insurance

Job summary

Antwerp Exchange Bank is seeking a Loan Officer in Harlan, Indiana to develop and manage a commercial loan portfolio, evaluate creditworthiness, and build strong business client relationships. This full-time role involves analyzing financial data, structuring deals, and ensuring regulatory compliance while minimizing risk.

You will meet with customers, analyze financials, and coordinate closings. The position requires 2+ years in lending, a finance-related degree preferred, and strong

Qualifications

• 2+ years of experience in consumer, mortgage, or commercial lending.
• Bachelor’s degree in finance, business, or related field preferred.
• Strong analytical skills and credit risk assessment.
• Excellent interpersonal and customer service skills.

Responsibilities

• Meet with customers to assess financial needs and recommend loan products based on goals and health.
• Analyze applicants’ financial condition, projections, credit history, and collateral to determine creditworthiness.
• Originate and submit loan applications for underwriting, gather and verify financial information, and ensure compliance.
• Monitor loan portfolios, renewals, and risk, and mitigate defaults via outreach.
• Generate new leads through networking, referrals, and community involvement; cross-sell bank products.
• Maintain records and ensure lending activities comply with policies and regulations.

Skills

Financial analysis

Credit risk assessment

Interpersonal communication

Customer service

Loan origination software

Banking systems

Microsoft Office

Sales goals

Teamwork

Education

Bachelor’s degree in finance or business

High school diploma or equivalent

Tools

Loan origination software

Banking systems

Microsoft Office Suite

Job description

Benefits:

• 401(k)
• Dental insurance
• Health insurance
• Paid time off
• Training & development
• Vision insurance

Job Title: Loan Officer Reports To: Senior Vice President of Lending

Employment Type: Full-time FLSA Status: Exempt Location: Harlan, Indiana possible travel to Antwerp and Payne Schedule: Monday–Friday, 7:30 AM–4:30 PM, Wednesday 7:30 AM-12:00 PM Saturday rotation (with flexibility as needed)

Job Summary:

The Loan Officer is responsible for developing and managing a portfolio of commercial loans, evaluating creditworthiness, and fostering relationships with business clients to drive revenue growth. This role involves analyzing financial data, structuring loan deals, and ensuring compliance with banking regulations while minimizing risk.

Essential Duties and Responsibilities:

Client Consultation & Origination:

• Meet with customers to assess financial needs and recommend suitable loan products based upon business/personal goals and financial health.

Underwriting & Analysis:

• Analyze applicants’ financial condition, projections, credit history, and collateral position to determine the client’s creditworthiness.
• Ensure all underwriting adheres to bank and regulatory requirements

Documentation & Compliance:

• Originate and submit loan applications for underwriting, including gathering and verifying financial information.
• Ensure all loan documents are accurate, complete, and compliant with federal regulations and internal bank policies.
• Co-ordinate closings and disbursements of loan proceeds.
• Maintain strong knowledge of loan policies, interest rates, and available bank products.

Portfolio Management:

• Monitor existing loan portfolios for performance (i.e. timely payments and requested financial information), renewals, and risk. Mitigate potential defaults through proactive client outreach.

Business Development:

• Generate new leads through networking, referrals, and community involvement.
• Cross-sell additional bank products that meet the financial needs of clients.

Reporting/Monitoring:

• Maintain accurate records
• Participate in community outreach, networking, and bank-sponsored events to promote lending services.
• Ensure all lending activities comply with bank policies, as well as federal and state regulations.

Qualifications:

Education:

• High school diploma or equivalent - bachelor’s degree in finance, business, or a related field preferred.

Experience:

• 2+ years of experience in consumer, mortgage, or commercial lending.

Skills:

• Strong analytical skills with proficiencies in financial analysis and credit risk assessment.
• Excellent interpersonal, communication, and customer service skills.
• Proficient in loan origination software, banking systems, and Microsoft Office Suite.
• Ability to meet sales goals and manage a loan pipeline effectively.
• Ability to work independently and collaboratively in a team-oriented environment.