Commercial Lender

The First National Bank & Trust Co.•Newcastle, OK

About The Position

The First National Bank & Trust Company is a leading financial institution with corporate offices in Chickasha, OK and bank locations in the surrounding area. For more than 130 years, the bank has remained a strong and faithful community partner with expertise in a full range of banking services. We are excited for the future and our continued commitment to the bank’s mission. At FNBT, we commit to promote the success of our customers and communities, provide high quality financial services and maintain a strong, safe financial institution. Job Summary We are looking for an experienced Commercial Lender with a commitment to service excellence to join our team. The Commercial Lender will facilitate business financing by evaluating and processing loan applications for commercial clients. This role requires a thorough analysis of a business’s financial health to structure loan packages that align with both the customer’s needs and the bank’s policies. This position plays a key role in helping businesses secure capital for growth and operations. The ideal lender will possess excellent customer relations and active listening skills to assist in identifying and advising on applicable products to fit applicant needs. In this role, the incumbent will adhere to federal regulations and will establish goals for long-term portfolio growth.

Requirements

Bachelor’s degree in accounting, business, finance or a related field is preferred
Minimum of five years of commercial lending experience is required
Graduate Banking School or Intermediate Banking School certification is preferred but not required
Working knowledge of underwriting; and understanding of debt to income and loan to value ratios and how these affect the ability of the borrower to repay the loan
Must be willing to participate in community and bank events
Outside business development efforts are required
Excellent verbal and written communication skills; able to present information professionally and clearly
Careful attention to detail and strong organizational skills
Strong work ethic and high integrity
Must reside in Oklahoma and pass a background and credit check
Regular travel within the bank footprint and surrounding area is necessary for success in this position

Nice To Haves

Graduate Banking School or Intermediate Banking School certification is preferred but not required

Responsibilities

Knowledge and understanding of the requirements and restrictions of each commercial loan program offered by the bank
Remain in regular communication with applicants throughout the process of application and document collection, underwriting, closing, and beyond
Bank product knowledge required to effectively offer deposit products and other banking services
Active participation in business development by analyzing potential loan markets, developing referral networks to identify prospects, and contacting and/or visiting potential customers and current customers
Approve loans within specified limits and refer loan applications outside those limits to the internal loan committee for review/approval
Analyze applicants’ financial status, credit, and property evaluations to determine feasibility of granting loans
Explain to customers loan and credit options as well as the terms of those services
Review loan agreements to ensure that they are complete and accurate according to policy
Ensure each loan submitted has the required documents and signatures to reduce the possibility of loss and assist in efficient loan processing and reduction of exceptions
Submit applications to credit analysts for verification and recommendation when necessary
Handle customer complaints and take appropriate action to resolve them
Negotiate payment arrangements with customers who have delinquent loans.
Maximize profitability through fee income, including referrals for all other retail products, including trust, fixed rate mortgages, cash management and merchant programs.
This list includes the current primary responsibilities of this position. It is not intended to be all-inclusive and is subject to change, as needed, for the purpose of operational efficiency.