Consumer and Small Business Lender

Wilson Bank & Trust•Murfreesboro, TN

7d•Onsite

About The Position

Be the Guide for Life’s Big Decisions Imagine sitting across from a family ready to buy their first home or a business owner planning to expand. In a Lending role at Wilson Bank & Trust, you’re more than a banker—you’re a trusted friend who helps turn dreams into reality. Every conversation is an opportunity to guide someone through milestones that shape their future, from purchasing a home to growing a business. You’ll build relationships that go beyond transactions, becoming the person customers rely on for clarity and confidence in complex financial decisions. Over time, you’ll see those dreams come to life—homes filled with laughter, businesses thriving in your community—and know you played a part in it. It’s about being a cornerstone in your community, offering expertise and empathy while partnering with teams across the bank to deliver solutions that matter. Your career grows alongside the people you serve, and together, you’ll write stories of progress and possibility that last for generations.

Requirements

Bachelor’s degree in business, finance, or related field
3 years of experience in consumer lending
Previous sales experience, specifically managing relationships and developing new business
Knowledge of real estate lending, documentation, collateralization, UCC-1 Law, lien perfections, and Deeds of Trust
Strong knowledge of financial principles, loan underwriting, lending regulations, credit analysis, and contracts with individual or corporate borrowers
Understanding of the loan-funding process and use of general ledger accounts for funding
Ability to work on multiple projects simultaneously
Effective verbal and written communication skills and excellent interpersonal skills
Effective presentation skills
Attention to detail, critical thinker and problem-solving skills
High standards for integrity, honesty, professionalism, and work ethic
Commitment to service excellence
Ability to work independently while demonstrating excellent organization and follow through
Demonstrate flexible and efficient time management and ability to prioritize workload
Ability and willingness to work with purpose and a strong sense of urgency
Self-motivated, positive, and enthusiastic
Self-starter with a strong desire to exceed expectations
Maintain confidentiality discretion
Ability to effectively work in collaboration with others to achieve business objectives
Must be able to work extended hours as needed
Willing to grow and be challenged

Responsibilities

Develop and retain a lending portfolio of consumer and small business loans, meeting with prospects and customers of various size and complexity
Retain and strengthen current relationships and develop new business through various channels
Make business calls independently and in collaboration with internal business partners to offer a range of banking products and services
Schedule and coordinate meetings with customers and prospects. Attend business events. Serve as point of contact for new and existing customers.
Receive loan applications and related documentation required at application
Conduct preliminary credit analysis, review customer financial statements, and make recommendation to management
Prepare loan proposals and credit memos, negotiating terms such as loan repayment methods and collateral specifications
Develop and maintain interest rate structure consistent with bank policies and procedures and competitive with current market rates
Comply with loan underwriting criteria to include approval limits, LTV, lien position, insurance requirements, etc.
Responsible for monitoring construction draws, clearing exceptions, and gathering financial documentation from customers and internal teams
Monitor loan status and follow up on outstanding documentation
Communicate with prospects and borrowers on the status of credit decisions
Maintain collection efforts to minimize past-due accounts
Attend office and bank meetings, as scheduled, providing input and updates on lending activities as required
Maintain professional and technical knowledge by attending educational workshops; reviewing professional publications; establishing personal networks; and participating in professional associations
Adhere to compliance with all federal bank regulations and laws, including those for consumer protection and the Bank Secrecy Act/Anti-Money Laundering Program
Attend training and participate in outside community activities, as requested and/or required
Perform other duties as assigned