Growth-Driven Loan Officer & Underwriter

Citizens Alliance Bank; Minnesota; On-site; USD 60,000 - 90,000; Full time

Job summary

Citizens Alliance Bank is seeking a Loan Officer to manage an existing loan portfolio, develop new business, underwrite, structure, and close loans following Bank policies and regulatory requirements. The role involves extensive customer contact and oversight of consumer, agricultural, or commercial loans.

The position requires knowledge of lending regulations and strong analytical skills, with a focus on growing the portfolio while adhering to policies.

Qualifications

• High school diploma or GED required.
• Continued education to maintain job knowledge required.
• 3–5 years banking experience required.
• Customer service experience preferred.
• Proficiency in Microsoft Office preferred.

Responsibilities

• Demonstrate excellent written and verbal communication skills.
• Knowledge of regulations governing consumer and 1–4 family lending practices.
• Innovative outlook to drive progress and retention.
• Process consumer loan transactions and respond to inquiries.
• Analyze financial statements, cash flows, pay records and tax returns.
• Present credits and loans for approval to the appropriate authority.
• Proactively obtain new consumer and 1–4 family residential loan customers.
• Prioritize workload effectively.
• Receive loan applications and approve/reject requests per policies.
• Maintain knowledge of regulatory requirements related to safety, soundness, compliance, and operations.
• Develop referral networks and cross-sell products and services to meet bank goals.
• Service loan portfolio to ensure documentation requirements are met.
• Assist co-workers as needed.
• Must have a valid Driver’s License.
• Demonstrate commitment to customers and the Bank.
• Adhere to core values and attendance expectations.
• Travel for trade/industry schools and seminars as needed.
• Comply with all applicable laws and Bank policies.

Skills

Communication skills

Regulatory lending knowledge

Financial statement analysis

Consumer and 1-4 family lending

Loan processing & underwriting

Business development & cross-selling

Driver's license

Education

High school diploma or GED

Continuing education to maintain knowledge

Three to five years banking experience

Customer service experience (preferred)

Proficiency in Microsoft Office

Job description

Citizens Alliance Bank is seeking a Loan Officer to manage an existing loan portfolio, develop new business, underwrite, structure, and close loans following Bank policies and regulatory requirements. The role involves extensive customer contact and oversight of consumer, agricultural, or commercial loans.

The position requires knowledge of lending regulations and strong analytical skills, with a focus on growing the portfolio while adhering to policies.