Personal Lending Officer

First State Community Bank; Ironton (MO); On-site; USD 60,000 - 75,000; Full time

Benefits offered by this job

Competitive pay and benefits

401(k) with employer match

Team-based variable compensation

Career growth opportunities

Job summary

First State Community Bank is seeking a Personal Lending Officer to build trusted relationships with customers and provide tailored lending solutions for consumer and real estate needs.

You will guide loan applicants from application to closing, analyze financials, and collaborate with internal teams to ensure a smooth experience while maintaining credit quality and regulatory compliance.

Qualifications

• Strong relationship-building and communication skills.
• Sales and customer-focused mindset.
• Sound financial analysis and decision-making abilities.
• Experience with consumer and real estate lending is preferred.
• Knowledge of banking regulations and compliance standards.

Responsibilities

• Build lasting relationships with customers and become their trusted financial partner.
• Identify customer needs and provide tailored consumer and real estate lending solutions.
• Guide customers through the loan process from application to closing.
• Analyze financial information and make sound credit recommendations.
• Partner with internal teams to deliver a seamless customer experience.
• Grow lending, deposit, and referral opportunities while maintaining strong credit quality.

Skills

Relationship-building

Communication skills

Sales mindset

Financial analysis

Attention to detail

Compliance awareness

Education

Bachelor's degree preferred in business/finance

Job description

Personal Lending OfficerHelp People Achieve Their Financial Goals.At FSCB, we're looking for a relationship-driven lender who enjoys helping people turn goals into reality. As a Personal Lending Officer, you'll build trusted relationships, provide personalized lending solutions, and guide customers through some of life's biggest financial decisions.What You'll DoBuild lasting relationships with customers and become their trusted financial partner.Identify customer needs and provide tailored consumer and real estate lending solutions.Guide customers through the loan process from application to closing.Analyze financial information and make sound credit recommendations.Partner with internal teams to deliver a seamless customer experience.Grow lending, deposit, and referral opportunities while maintaining strong credit quality.Support portfolio health through proactive communication and follow-up.What Makes You SuccessfulStrong relationship-building and communication skillsSales and customer-focused mindsetSound financial analysis and decision-making abilitiesAttention to detail and commitment to complianceAbility to manage multiple priorities in a fast-paced environmentPassion for helping customers succeedWhy FSCB?Competitive pay and benefitsTeam-based variable compensation program401(k) with generous employer matchSupportive leadership and career growth opportunitiesA stable, community-focused organization where people come firstAt FSCB, you'll do more than make loans. You'll help families purchase homes, navigate life's milestones, and build stronger financial futures. Join a team that values relationships, integrity, and making a difference in the communities we serve.Apply today and help turn financial goals into reality.Build relationships. Create opportunities. Change lives.Bachelor's degree in business, finance, or a related field preferred but not requiredExperience in personal/consumer banking, with demonstrated ability to originate, underwrite, and manage installment and real estate loan products and portfolios.Strong financial analysis skills, including review of income, assets, liabilities, credit reports, debt to income (DTI), loan to value (LTV), and ATR/QM requirements.Proven ability to build long term customer partnerships through consultative, relationship and needs based conversations, and a consistent, value driven sales approach.Solid working knowledge of banking regulations and compliance standards, including RESPA, HMDA, Reg Z, Reg B, and Flood Determination requirements as well as ability to interpret and apply organizational policies consistently.Experience supporting loan portfolios post closing, including monitoring performance, addressing delinquency, coordinating escrows, and maintaining accurate documentation.PHYSICAL REQUIREMENTSMust be able to remain in a stationary position for long durations (e.g., 6 to 8 hours with breaks).Occasionally required to stand or walk short distances.Manual dexterity for using keyboard, mouse and telephone system.Visual acuity to read computer screens and written documents.Occasionally lifting office supplies, files and small packages (typically up to 10 to 25 lbs.)Ability to hear and understand spoken communication, including customer (internal and external) inquiries and phone conversations.Ability to speak clearly and be understood in person and over the phone.Additional InformationBeing a First Stater . . .Being a First Stater means that you roll up your sleeves and dig in. It means you work hard and do your best. It means that you enjoy learning new skills and are always eager to improve. It means you help the team by being a great teammate. It means you're passionate about making a difference in the lives of our customers and our communities. It means you consistently find new ways to improve our organization.Do you have what it takes to be a First Stater?Make a Difference | Apply Now!First State Bancshares Inc. is an Equal Opportunity Employer. All your information will be kept confidential according to EEO guide.