Strategic Commercial Lending Officer

D.L. Evans Bank; Rigby (ID); On-site; USD 70,000 - 95,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

401(k)

Employee Stock Ownership Plan

Paid Vacation

Sick Time

Life Insurance

Long-term Disability Insurance

Job summary

D.L. Evans Bank is seeking a Commercial Loan Officer in Idaho to evaluate and underwrite commercial loan requests, meet with applicants to gather information, and promote bank services.

The role emphasizes prompt, professional service, cross-selling, and business development within the community. The candidate should have several years of commercial lending experience, solid credit analysis skills, and the ability to work with loans from application through underwriting while ensuring compliance

Qualifications

• High school diploma or GED required; Bachelor's degree in Business, Finance, or related field preferred.
• Three to five years of commercial lending experience required.
• Understanding of financial analysis and determination of credit worthiness required.
• Knowledge of bank lending and collections policies and procedures required.
• Active license with NMLS or ability to obtain one.
• Familiarity with property management and maintenance procedures preferred.
• Strong interviewing, written and verbal communication skills.
• Proven track record of community involvement and business development.
• Strong analytical skills and ability to use a financial calculator and related software.

Responsibilities

• Ensures that customers' requests and questions are promptly resolved.
• Interviews, takes applications, and processes preliminary documentation on loan requests, discussing loan alternatives and criteria.
• Completes lending operations in accordance with bank policies and legal requirements.
• Informs customers of bank loan policies and services.
• Analyzes and evaluates loan requests and approves within limits or submits over limit to Senior Lender.
• Identifies problems with credit information and coordinates resolution.
• Hilps review construction loan advances on commercial properties.
• Conducts property inspections as assigned.
• Reviews loan reports and manages renewals or declines.
• Assists with collection of delinquent accounts.
• Maintains professional relations with customers and trade professionals.
• Educates customers on bank products to meet financial needs.
• Makes decisions or explains alternatives to denials.
• May supervise loan personnel and ensure high quality work and efficiency.
• Markets commercial loans and cross-sells other bank products.
• Keeps informed on lending standards and legal requirements.
• Represents D.L. Evans Bank in the community.
• Completes reports and records accurately and promptly.
• Maintains the bank's professional reputation.
• Coordinates with related departments and branches; provides support as needed.
• Attends meetings and committees as required; completes special projects.

Skills

Commercial lending experience

Financial analysis

Credit assessment

Interviews & documentation

Analytical skills

Customer service

Communication skills

Problem solving

Education

Bachelor's degree in Business/Finance

Tools

Microsoft Excel

Financial calculator

Job description

D.L. Evans Bank is seeking a Commercial Loan Officer in Idaho to evaluate and underwrite commercial loan requests, meet with applicants to gather information, and promote bank services.

The role emphasizes prompt, professional service, cross-selling, and business development within the community. The candidate should have several years of commercial lending experience, solid credit analysis skills, and the ability to work with loans from application through underwriting while ensuring compliance