Commercial Loan Officer

Central-Bank-c44c5195; Springfield (MO); On-site; USD 55,000 - 95,000; Full time

Job summary

Central Bank of the Ozarks seeks a Commercial Loan Officer to solicit, develop and manage credit relationships for secured and unsecured loans including commercial, real estate, and construction.

Responsibilities include overseeing the commercial loan portfolio, working with the Chief Lending Officer on complex relationships, and ensuring profitability within bank guidelines. Strong analytical and communication skills, and willingness to operate within bank policies, are essential.

Qualifications

• Bachelor’s degree; or equivalent combination of education, training and experience that provides the required knowledge, skills and abilities.
• Typically less than three years lending experience; knowledge of lending procedures and policies, lending regulations, lien laws, and loan documentation.
• Ability to analyze financial statement and loan risk.
• Ability to read, write, and speak English.
• Ability to drive a vehicle; valid driver’s license and driving record.
• NMLS registration is required.

Responsibilities

• Solicit, develop and manage credit relationships for secured and unsecured loans.
• Oversee and manage commercial loan portfolio; profitability and risk management.
• Collaborate with Chief Lending Officer on complex relationships.
• Adhere to bank procedures, reporting requirements, and regulatory standards.
• Drive sales development and referral activities to meet goals.

Skills

Financial statement analysis

Client relationship management

Commercial lending

Real estate lending

Risk assessment

Regulatory compliance

Communication skills

Teamwork

Education

Bachelor’s degree or equivalent

Job description

Solicit, develop and manage credit relationships with individuals and businesses seeking a variety of secured and unsecured loans, including commercial, real estate, and construction. Oversee and manage commercial loan portfolio. Works with Chief Lending Officer or Senior Commercial Lender on more complex relationships. Responsible for the overall profitability and quality of loan portfolio. Operate within established lending authority and guidelines; provide optimum profitability balanced with acceptable risk. Ensure adherence to established bank loan procedures, practices and reporting requirements. Responsible for sales development and referral activities including STEP sales training and activities. Create a teamwork environment to ensure that quality service is provided and sales/business development goals are met. Conducts relationships and activities consistent with established Bank policies, procedures and systems, the corporate code of conduct, Bank Secrecy Act and all applicable State and Federal laws and regulations.

Requirements

Bachelor’s degree; or equivalent combination of education, training and experience that provides the required knowledge, skills and abilities.

Typically less than three years lending experience. Knowledge of current bank lending procedures and policies, lending regulations (state and federal), lien laws, collection/bankruptcy regulations, and loan documentation. Knowledge of commercial lending and real estate field, including appraisals, deeds, and lien recording. May require knowledge of agricultural business and/or agricultural lending experience.

Ability to analyze financial statement and loan risk.

Possess good judgment skills. Ability to make decisions within prescribed guidelines, research and solve problems, work independently, handle confidential information and manage multiple tasks.

Thorough knowledge of bank products and services. Demonstrated skill in soliciting business for bank deposit products and loan services. Ability to identify client needs, present banking solutions and bank products. Ability to recognize closing opportunities and retain and grow customer relationships.

Ability to read, write, and speak English.

Excellent verbal, listening and communication skills. Strong customer relations skills and ability to work with employees and customers in a cooperative manner. Ability and desire to work as part of a team, and with people of diverse backgrounds.

Strong organizational skills and attention to detail.

Ability and desire to represent Central Bank of the Ozarks Market in the community.

Willingness to assume additional responsibilities, duties, and projects as they arise.

Ability to operate office equipment including PC’s, calculators, telephones, voicemail, and copy/printer/fax machines.

Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

Ability to drive a vehicle. Must maintain a current, valid driver’s license and an acceptable driving record for bank insurance purposes.

This position requires registration with the National Mortgage Licensing System and Registry, (NMLS), as created under the S.A.F.E. Act. The registration process can be found at the NMLS Resource Center located at http://mortgage.nationwidelicensingsystem.org

Position Type

Full Time - Regular

Department

Commercial Loan-027101

Location

Springfield Main

Work Hours

Monday - Friday 8:00am - 5:00pm, flexibility required

Standard Hours

40

Area of Interest

Commercial Loans

Work Location Options

On-Site

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