Personal Lending Officer (59825)

First State Community Bank; Ironton (MO); On-site; USD 52,000 - 75,000; Full time

Job summary

First State Community Bank is seeking a Personal Lending Officer to help clients achieve financial goals through tailored installment and real estate loan solutions. The role blends relationship building with credit discipline in a conservative community bank culture.

You will guide customers through applications, verify income and assets, and coordinate with title companies to ensure timely processing, while promoting deposit growth and cross-sell opportunities.

Qualifications

• Bachelor's degree preferred but not required.
• Experience in personal banking with origination and underwriting capability.
• Strong financial analysis including DTI, LTV, ATR/QM.
• Proven ability to build long-term customer partnerships.
• Solid knowledge of banking regulations (RESPA, HMDA, Reg Z/B, Flood Determination).
• Experience supporting loan portfolios post closing.

Responsibilities

• Build profitable partnerships through relationship development.
• Engage clients to identify needs and present loan solutions.
• Apply a consistent sales approach from prospecting to referrals.
• Collaborate across lines for holistic financial advice (ins., advisory).
• Drive growth of core deposits and non-interest income.
• Promote trust-based, customer-focused interactions.
• Guide applicants through installment and real estate loan processes.
• Enter applications into LOS and Encompass with accurate docs.
• Coordinate with loan coordinators and title companies.
• Ensure deposit relationships are integrated into loan structuring.

Skills

Relationship building

Sales approach

Collaboration

Financial analysis

Communication

Attention to detail

Teamwork

Negotiation skills

Education

Bachelor's degree in business or finance

Tools

LOS

Encompass

Job description

Personal Lending Officer

The Personal Lending Officer helps individuals achieve and protect financial success by offering tailored lending solutions for both installment and real estate needs. This role combines relationship building with technical expertise to guide customers through the lending process, ensuring responsible credit decisions that reflect the bank’s conservative credit culture and commitment to growing stronger communities

Key Result Areas

• Build long term, profitable partnerships through goal directed, organized relationship development. (Building Successful Partnerships)
• Engage customers in structured conversations to identify financial needs and present meaningful solutions across installment and real estate products. (Building Successful Partnerships)
• Apply a consistent sales approach prospecting, rapport building, presenting value, qualifying, closing, and generating referrals. (Building Successful Partnerships)
• Collaborate across business lines to deliver holistic financial advice, including insurance and financial advisory services. (Collaborative Selling)
• Drive growth of core deposits and non interest income (business and payment services, insurance, and financial advisory commissions) in alignment with the market strategic plan. (Building Successful Partnerships, Collaborative Selling)
• Promote financial success through trust based, value driven interactions that prioritize customer outcomes over transactional selling. (Building Successful Partnerships)
• Loan Origination & Processing:
• Guide customers through the application process for both installment and real estate loans. (Communicating Effectively)
• Collect and verify borrower information including income, debts, collateral, and property details. (Attention to Detail)
• Enter applications into the Loan Origination System (LOS) and Encompass, ensuring accurate documentation and milestone tracking. (Data Entry, Attention to Detail)
• Coordinate with Loan Coordinators and title companies to ensure timely and complete processing. (Teamwork, Attention to Detail)
• In structuring loan transactions, incorporate deposit relationships and non interest income solutions when appropriate, ensuring these additions serve the customer’s needs and support the bank’s strategic growth objectives. (Business & Financial Acumen, Building Successful Partnerships)
• Financial Review & Credit Evaluation:
• Conduct financial analysis including DTI, LTV, ATR/QM validation, and basic cash flow reviews. (Customer Financial Performance Analysis)
• Analyze assets, liabilities, income, and credit reports to support sound loan decisions. (Customer Financial Performance Analysis, Decision Quality)
• Collaborate with credit analysts for complex underwriting and apply judgment consistent with the bank’s conservative credit culture. (Credit Underwriting & Risk Assessment, Teamwork, Decision Quality)
• Compliance & Documentation:
• Maintain full compliance with banking regulations including RESPA, HMDA, Reg Z, Reg B, Flood Determination, and others. (Regulatory Compliance)
• Ensure documentation is complete, accurate, and professionally presented. (Attention to Detail)
• Monitor for changes in loan terms and manage change circumstances appropriately. (Attention to Detail)
• Post Closing, Collections & Portfolio Support:
• Monitor loan performance and identify early signs of delinquency or financial distress. (Collections & Recovery, Analyze Data)
• Communicate professionally with borrowers regarding past due accounts and repayment options. (Collections & Recovery, Communicating Effectively, Negotiation Skills)
• Document collection efforts and support restructuring when appropriate. (Collections & Recovery, Attention to Detail)
• Coordinate escrow setup and monitoring for real estate loans. (Teamwork, Attention to Detail)
• Follow up on documentation exceptions and maintain proactive communication to support customer financial health. (Regulatory Compliance, Attention to Detail)

Qualifications

• Bachelor's degree in business, finance, or a related field preferred but not required
• Experience 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 Requirements

• Must 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 Information

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 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?

First State Bancshares Inc. is an Equal Opportunity Employer. All your information will be kept confidential according to EEO guide.