*Position Summary:* Responsible for soliciting and servicing a variety of commercial/agricultural loans (will occasionally assist with consumer and real estate loans).
The lender will maintain and build a loan portfolio.
Responsible for all facets of the of loan customers; including application completion, financial information, exception management, and loan documentation.
Makes decision on loans and terms within established lending limits or makes recommendation to higher authority.
*Job Duties*
· Initiate contact with potential commercial accounts and solicit their relationship
· Interview applicants to develop information concerning their business, needs, desires, abilities and earnings to determine whether a loan may be an acceptable risk
· Inquire on existing commercial accounts, maintains relationships, cross-sells other bank products and services and solicits referrals for new commercial relationships
· Develop new business and increase or retain existing business
· Manages the entire banking relationship for a portfolio of commercial accounts
· Assists credit analysts with financial statement analysis (balance sheet and profit and loss) and income tax returns on loans.
Includes key performance ratio analysis.
· Works in conjunction with credit analysts to complete credit memorandums (LARs and Narratives) on new and existing relationships
o In-depth historical financial analysis
o In-depth projection financial analysis, including “what if/stress test” scenarios that test the reasonableness of the projections
o In-depth analysis of the secondary sources of repayment, such as collateral
o Balance sheet trends and issues
o In-depth analysis of guarantor’s financial position
o Develop cash flow analysis
· Maintains the integrity and quality of the loan portfolio according to the loan policy
· Coordinates with Loan Review and Chief Credit Officer to establish risk ratings for borrowers including recommendation for a downgrade outside of the review cycle
· Ensure that information gathering, decision making, and loan monitoring are in compliance with all regulations
· Assist in collection process of delinquent and problem loans
· Maintains a presence and promotes the bank within the community
· Review credit reports
· Assist in SBA, FSA and other special loan programs.
Including application preparation, monitoring and liquidation
· Contribute to the fulfillment of department, market and company objectives and goals
· Comply with all department and company policies, procedures and regulations
· Other duties as assigned
*Key Competencies/Skills*
· Strong communication skills – verbal, written and interpersonal skills
· Good listening skills
· Accuracy and attention to detail
· Excellent computer skills – highly proficient in Excel and Word
· Extensive knowledge of financial statement analysis, income tax returns and regulations
· Loan compliance knowledge
· Loan policy knowledge
*Education/Experience*
· Bachelor’s Degree in a business related field preferred
· High School diploma or GED required
· 3-5 years of banking or financial related field
Job Type: Full-time
Pay: From $70,000.
00 per year
Benefits:
* 401(k)
* 401(k) matching
* Dental insurance
* Health insurance
* Life insurance
* Paid time off
* Vision insurance
Schedule:
* Monday to Friday
Work setting:
* In-person
* Office
People with a criminal record are encouraged to apply
Ability to Relocate:
* Hannibal, MO: Relocate before starting work (Required)
Work Location: In person
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