Commercial Loan Officer

Ozark Bank; Ozark (MO); On-site; USD 70,000 - 110,000; Full time

Job summary

Ozark Bank in Missouri seeks a relationship-driven Commercial Lender to serve local businesses and consumers. You will develop new business, expand relationships, and deliver lending solutions while maintaining sound credit quality.

The ideal candidate brings 3–5 years of commercial lending experience, strong credit skills, and a focus on community involvement. Proficiency with MS Office and banking software is expected; excellent communication is essential.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field preferred.
• Three to five years of commercial lending, commercial credit, or related banking experience.
• Residential and consumer lending experience preferred.
• Strong credit analysis and financial statement evaluation skills.
• Excellent communication and relationship management abilities.

Responsibilities

• Build and maintain relationships with commercial customers and community partners.
• Generate new commercial loan, deposit, treasury management, residential loan, and consumer loan opportunities through business development activities and networking.
• Identify customer needs and tailor banking solutions for growth.
• Originate, underwrite, and manage loan relationships while maintaining sound credit quality.
• Analyze financial statements, tax returns, and cash flow to evaluate creditworthiness.
• Monitor an assigned commercial loan portfolio and manage risk.
• Collaborate with internal teams to provide responsive, personalized customer service.
• Ensure compliance with Bank policies, lending procedures, and regulatory requirements.

Skills

Relationship management

Credit analysis

Business development

Communication

Customer service

Education

Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field

Job description

Rooted in our past. Focused on your future. Since 1906, we have been dedicated to serving our community with integrity and excellence. Our commitment is to provide innovative financial solutions that help our customers achieve their goals.

Position Summary

Ozark Bank is seeking a relationship-driven Commercial Lender to serve as a trusted financial partner to local businesses and consumers. This position is responsible for developing new business relationships, expanding existing customer relationships, and delivering commercial, residential, and consumer lending solutions that help customers achieve their financial goals. The ideal candidate is a proactive business developer who combines strong credit skills with a commitment to exceptional customer service and community involvement.

Key Responsibilities

• Build and maintain strong relationships with commercial customers, prospects, and community partners.
• Generate new commercial loan, deposit, treasury management, residential loan, and consumer loan opportunities through business development activities and networking.
• Identify customer needs and recommend banking solutions that support business growth and personal financial success.
• Originate, underwrite, and manage commercial, residential, and consumer loan relationships while maintaining sound credit quality.
• Analyze financial statements, tax returns, cash flow, and other information to evaluate creditworthiness.
• Manage and monitor an assigned commercial loan portfolio, including ongoing relationship and risk management.
• Collaborate with internal teams to provide responsive, personalized customer service.
• Ensure compliance with Bank policies, lending procedures, and regulatory requirements.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field preferred.
• Three to five years of commercial lending, commercial credit, or related banking experience.
• Experience with residential and consumer lending preferred.
• Demonstrated success in business development and relationship management.
• Strong understanding of commercial lending and credit analysis principles.
• Ability to analyze financial statements, tax returns, and cash flow.
• Excellent communication, interpersonal, and customer service skills.
• Strong organizational skills and attention to detail.
• Proficiency with Microsoft Office and banking software systems.

Join us to be part of a dedicated team that values integrity, innovation, and community impact. Your expertise will help us continue delivering exceptional financial services while fostering growth for our customers and our organization.