Loan Officer

PSB Bank NV; Pacific (MO); On-site; USD 50,000 - 80,000; Full time

Job summary

PSB Bank NV in Pacific, MO is seeking a Loan Officer to develop new business, underwrite and close loans, and manage an existing portfolio. The role emphasizes community engagement and delivering excellent service while building strong client relationships.

The position reports to the Chief Lending Officer and sits in Loan Operations. A motivated, customer-focused professional with banking experience is preferred for a supportive, value-driven environment.

Qualifications

• Strong client service and interpersonal skills with networking ability.
• Ability to read and comprehend training materials and loan manuals.
• Outstanding organizational and analytical skills are required.
• Familiarity with computers and banking applications/software.

Responsibilities

• Solicits loans and informs prospective clients of underwriting guidelines and regulations.
• Negotiates terms and structures loan financing based on risk and presents for approval.
• Completes loan applications and pre-processing functions promptly.
• Monitors existing loans, identifies potential problems, and collects past due loans.
• Maximizes profitability through appropriate pricing and selling bank products.
• Supports relationship banking through ongoing customer contact and service.
• Reviews, approves and dispositions overdrafts daily.

Skills

Client service

Interpersonal skills

Networking

Business development

Communication

Analytical thinking

Adaptability

Tools

Banking software

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Loan Officer

Pacific Full Time Management Pacific, MO, US

Join our growing team!

We are looking for a motivated, customer-focused professional with a passion for helping other achieve their financial goals. Our thriving community bank is growing, and we are looking to add a new loan officer. We are committed to delivering excellent service and building strong relationships in the communities we serve. We are interested in candidates preferably with banking experience who are looking for a supportive, value-driven work environment where they can make a real impact.

Job Title: Loan Officer

Department: Loan Operations

Reports To: Chief Lending Officer

Classification: Exempt Nonexempt

Summary

Responsible for developing new business, underwriting, structuring, and closing of loans, as well as maintaining and servicing an existing portfolio. Represents the bank in the community through active participation in community affairs and participates in marketing of the bank's products and services

This position has no supervisory responsibility.

Essential Duties and Responsibilities

• Solicits loans and informs prospective loan clients of the financial institution's underwriting guidelines and applicable government regulations.
• Negotiates terms and structures loan financing based on risk consideration and present credits for approval to appropriate levels of authority with the bank as required.
• Completes each loan application and all pre-processing functions in a timely manner to meet established guidelines.
• Monitors an existing loan portfolio to ensure proper risk ratings and early identification of potential problems. Collects past due loans.
• Maximizes bank profitability through appropriate pricing of new loan originations, fee income, and selling of all bank products and services.
• Supports the bank's relationship banking culture through on-going customer contact, quality customer service, and superior product knowledge.
• Daily review, approval and disposition of overdrafts.

Other Duties

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.

Job Requirements

• Possesses strong client service and interpersonal skills. Has excellent networking and business development practices.
• Ability to read and comprehend training materials, financial institution communications and related loan manuals.
• Outstanding organizational and analytical skills required.
• Familiarity with computers and banking applications/software.

Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

This position requires travel when making business development calls, community events/meetings, and internal meetings/training.

The noise level in the work environment is usually moderate.