Commercial/Ag Loan Officer

Opportunity Bank of Montana•Twin Bridges, MT

4d•Onsite

About The Position

This role involves actively participating in new business development, interviewing loan applicants, negotiating credit terms, and structuring/analyzing new and renewed loan requests. The officer will manage an assigned portfolio of loans, ensure compliance with policies and regulations, and handle customer service matters. Additionally, the role includes providing guidance to junior lenders, participating in community activities, cross-selling bank products, and serving on committees.

Requirements

High school diploma or equivalent

Nice To Haves

4-year college degree (accounting, business, finance, management or related)
2 years relevant experience - or equivalent combination of education & experience
Sales experience
Extensive knowledge of loan guidelines, products and services
Knowledge of and/or experience with SBA guaranteed and rural development B & I loan programs, FSA loan programs

Responsibilities

Actively participate in new business development program.
Interview applicants for commercial, Ag and consumer loans and negotiate credit terms such as costs, loan repayment methods and collateral specifications.
Structure and analyze new and renewed loan requests and make loans within lending authority.
Close loans, complete file documentation, and maintain files.
Manage all aspects of an assigned portfolio of loans and relationships.
Monitor compliance with loan policies and appropriate regulations.
Collect past due loans or work with Loss Mitigation staff in collection of delinquent accounts.
Send financial statements to credit analysts for spreading and analysis.
Handle customer service matters and inquiries for lending and non-lending issues.
Advise and assist commercial loan staff with resolutions for customers with difficult issues.
Provide informal training and guidance for less experienced lenders.
Participate in community activities and organizations.
Cross sell all company products and services; refer appropriate banking opportunities to other departments and personnel.
Serve as member of the Bank’s Officer Loan Committee and participate in other ad hoc committee activities.
Manage technical and policy exceptions.
Perform other related duties as assigned.