Loan Officer

BancFirst Co.; Kingfisher (OK); On-site; USD 55,000 - 90,000; Full time

Job summary

BancFirst in Kingfisher, OK is seeking a Loan Officer to originate and service consumer and commercial loans, secured and unsecured, handling both large and small credits. The role emphasizes accurate credit analysis, collateral review, and compliance with bank policies.

The position requires strong communication skills, attention to detail, and the ability to manage multiple tasks under deadlines in a community-focused bank environment.

Responsibilities

• Monitors and manages existing credit relationships including note renewals, financial statement analyses, collateral valuations, credit analysis, cash flow analysis, delinquency reporting, and covenant monitoring.
• Develops new business by identifying and calling on customers, promotes BancFirst services, and coordinates with operations to ensure quality service.
• Prepares and presents loan memorandums for credit approval and enforces underwriting guidelines and internal policies.
• Performs as needed other duties and projects; maintains regular attendance.

Job description

Position Summary

The Loan Officer is primarily responsible for making and servicing consumer and commercial loans, both secured and unsecured. Handles both large and small credits.

Essential Duties and Responsibilities

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Monitors and manages existing credit relationships which include note renewals, detailed analysis of current financial statements and collateral valuations, credit analysis, cash flow analysis, delinquency reporting, documenting and curing exceptions, covenant monitoring, compiling reports necessary to monitor asset and credit quality, and compliance with BancFirst policies/procedures/regulations.
• Negotiates loan proposals, analyzes and evaluates credit requests, recommends appropriate credit grade, creates and presents written loan memorandums for credit approval, and implements approval or declination action.
• Develops new business through identifying and calling on existing or prospective customers, promotes and cross-sells Bank's services, and works with Bank operations areas to ensure that quality service is provided.
• Participates in community and professional activities to enhance the Bank's image and expand personal network of contacts for development of new business.
• Assists with other job-related duties and special projects as requested.
• Regular and consistent attendance is an essential function of this position.
• Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.

Requirements

• Bachelor's Degree required (Business major or Formal Credit training preferred)
• OR
• Minimum of 5 years' experience underwriting Commercial Loans as well as Consumer Loan experience.
• Must have ability to analyze complex financial data and create/present accurate, articulate, and detailed written credit memorandums that comply with internal policy, procedures, and underwriting guidelines.
• Must possess a working knowledge of regulatory compliance requirements including, but not limited to, Fair Lending, HMDA, Flood, and CRA.
• Must possess working knowledge of collateral perfection requirements.
• Must demonstrate ability to grow quality portfolio with annual performance goals.
• Must possess and exhibit excellent communication skills with the ability to prepare and deliver persuasive written reports and verbal presentations.
• Must demonstrate ability to efficiently operate a computer.
• Must demonstrate a working knowledge of MS Office products such as Word, Excel, PowerPoint, and Outlook.
• Must possess and demonstrate critical thinking and reasoning skills.
• Must demonstrate the ability to work well under stress and deadlines while managing multiple tasks.
• Demonstrate the ability to perform at a high level in a highly sensitive environment and handle sensitive information confidentially.
• Professionally interact with all staff and departments to ensure the accurate resolution of problems and errors.
• Willingness to work additional hours when crucial to production, regulatory or loan closing timelines.
• Must demonstrate good attendance and punctuality.

Preferred Skills

• Experience with Agricultural Lending preferred.
• Bilingual (Spanish) a plus.

Physical Requirements

• Constant use of computer screens
• Ability to operate a computer keyboard
• Intermittently standing, stooping, bending at the waist, walking, kneeling or crouching
• Long periods of typing and repetitive motionAbility to lift and/or move and carry 10 pounds

Location

124 S. Main St.
Kingfisher, OK 73750

Hours

Full Time

Hometown service, statewide strength. BancFirst is committed to investing in the future of Oklahoma communities. BancFirst is a $14 billion bank offering personal and commercial products, trust, insurance, and investment services in sixty Oklahoma communities. Employees enjoy excellent benefits and a learning environment that allows them to continuously improve their skills to deliver highly personalized service to customers.

EOE - BancFirst is an Equal Opportunity employer.

Diversity...Our differences enhance business performance.