Commercial Loan Officer

ANTWERP EXCHANGE BANK; Harlan (IN); Vor Ort; USD 55.000 - 90.000; Vollzeit

Benefits dieser Stelle

401(k)

Dental insurance

Health insurance

Paid time off

Training & development

Vision insurance

Zusammenfassung

The Antwerp Exchange Bank Co. in Indiana is seeking a Loan Officer to develop and manage a portfolio of commercial loans, evaluate creditworthiness, and build strong relationships with business clients to drive revenue.

You will analyze financial data, structure loan deals, and ensure compliance with banking regulations while minimizing risk. This role reports to the Senior Vice President of Lending.

Qualifikationen

• 2+ years of consumer, mortgage, or commercial lending experience.
• Strong analytical skills in financial analysis and credit risk.
• Excellent communication and customer service abilities.

Aufgaben

• Meet with customers to assess financial needs and advise loan products.
• Analyze financial condition, credit history, and collateral.
• Submit loan applications and verify documentation.
• Monitor loan portfolios for performance and risk.
• Generate new leads through networking and referrals.
• Ensure lending activities comply with policies and regulations.

Kenntnisse

Financial analysis

Credit risk

Interpersonal skills

Customer service

Loan origination software

Banking systems

Sales targets

Teamwork

Ausbildung

High school diploma

Bachelor’s degree in finance or business

Tools

Loan origination software

Banking systems

Jobbeschreibung

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.