Commercial Loan Officer for Mexico/Centralia

The Bank of Missouri•Mexico, MO

32d•Onsite

About The Position

Originate, underwrite, and close secured and unsecured commercial loans in compliance with all federal and state banking laws, regulations, and established lending policies. Proactively manage commercial relationships by developing new business, deepening existing client relationships, and generating loan, deposit, and fee-based revenue. Collaborate across business lines to deliver comprehensive financial solutions while supporting the Bank’s strategic growth objectives.

Requirements

Bachelor's degree (B. A.) from four-year college or university in the field of business, including specific courses in accounting, finance, and economics plus additional training in financial statement analysis; or six to seven years banking experience and/or training; or equivalent combination of education and experience

Responsibilities

Originate commercial loan relationships through proactive business development efforts, including frequent outside calling on clients and prospects.
Develop, manage, and grow full banking relationships by identifying and delivering appropriate loan, deposit, treasury management, and other fee-based solutions.
Take loan applications; interview applicants; request and analyze credit reports, financial statements, reference checks, and collateral documentation to evaluate creditworthiness and loan feasibility.
Analyze borrower financial condition, cash flow, collateral, and risk to determine appropriate credit structure and terms.
Compile complete and accurate loan packages and facilitate negotiations with borrowers regarding loan terms, pricing, fees, and repayment options.
Refer loans for underwriting and approval when required and ensure loan commitments, agreements, closings, and funding are completed accurately and timely.
Manage a portfolio of existing relationships by obtaining current financial information, monitoring credit quality, and performing ongoing risk assessments.
Properly risk-rate credits and escalate concerns to management when material deterioration in credit quality is identified.
Conduct periodic client meetings to review financial performance, discuss business conditions, and uncover opportunities to expand relationships through additional products and services.
Actively generate core deposits and fee income through treasury management, cash management, merchant services, and other applicable bank offerings.
Partner with internal teams across business lines (Treasury Management, Retail, Wealth, Mortgage, etc.) through joint calling, referrals, and coordinated relationship strategies.
Utilize government lending programs when appropriate to meet customer credit needs and support relationship growth.
Maintain a working knowledge of all loan products, deposit products, and services offered by the Bank.
Participate in collection efforts to ensure timely resolution of delinquent accounts, including restructuring repayment terms when necessary.
Courteously assist customers with inquiries and resolve complaints related to lending and other banking products and services.
Establish and maintain positive relationships with referral sources, community organizations, and business partners to promote the Bank’s full suite of products and services.
Represent the Bank in professional associations, community events, and local business organizations to enhance brand visibility and business development.
Maintain compliance with all applicable federal and state commercial lending laws and regulations.
Maintain professional and technical expertise through ongoing training, seminars, conferences, and workshops.
Perform other duties as assigned.