Commercial Loan Officer

Centralbancompany; Springfield (MO); On-site; USD 70,000 - 110,000; Full time

Job summary

Central Bank of the Ozarks is seeking a Commercial Lending professional to solicit, develop and manage credit relationships for secured and unsecured loans. You will oversee the commercial loan portfolio and collaborate with the Chief Lending Officer on complex relationships.

The role emphasizes profitability, policy adherence, and active participation in sales development, referral activities, and teamwork to meet bank objectives.

Qualifications

• Bachelor’s degree or equivalent combination of education, training and experience.
• Typically less than three years lending experience.
• Knowledge of commercial lending, real estate, appraisals and lien recording.
• Ability to analyze financial statements and loan risk.
• Strong judgment, teamwork and client-relations abilities.
• NMLS registration and compliance familiarity.

Responsibilities

• Solicit, develop and manage credit relationships for secured and unsecured loans.
• Oversee and manage the commercial loan portfolio.
• Collaborate with the Chief Lending Officer on complex relationships.
• Ensure profitability and adherence to lending guidelines and reporting requirements.
• Drive sales development and referral activities within bank policies.
• Foster teamwork to meet service and sales goals.

Skills

Financial statement analysis

Loan risk assessment

Sales and business development

Strong communication

Team collaboration

Organizational skills

Customer relations

Education

Bachelor’s degree

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.

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