Loan Officer - McPherson-Main

Peoples Bank and Trust•McPherson, KS

40d•Onsite

About The Position

The Loan Officer will work directly with clients to assess their qualifications for loan services and provide recommendations for consumer, commercial and agricultural loan products that would best suit their needs and/or the needs of their business. This will also include reviewing lending applications to independently evaluate, authorize, and/or recommend the approval of consumer, agricultural and commercial lending products. The Loan Officer is additionally responsible for preparing any necessary loan documentation in order to comply with bank policies and loan regulations.

Requirements

High School Diploma or equivalent required
Full knowledge of loan services offered by Peoples Bank and Trust, understanding of all PBT policies and procedures related to loan services provided, functional understanding of reports required to maintain and track outstanding loans and a sound understanding of business finance principles and advisement
2+ years banking experience preferred
Attention to detail
strong written and verbal communication skills
self-motivation
self-management
ability to consistently follow through on tasks
problem-solving
organized
analytical
interpersonal
sound independent judgment
time management
customer relationship-building
computer literacy
a strong ability to multi-task
Ability to speak effectively and communicate clearly
Ability to hear average conversations at a standard level in an office environment around other customers and bank personnel
The employee is regularly required to type throughout the day
The employee is regularly required to use hands to type and maneuver a mouse
Specific vision abilities required by this job include close vision, color vision, peripheral vision, depth perception and ability to adjust focus with 20/20 vision (with or without the assistance of eyeglasses/contacts)
The employee must occasionally lift and/or move up to 20 pounds (unassisted) as well as stand, sit, bend, kneel, squat and walk for long periods of time
Ability to deal with a variety of variables under only limited standardization.
Strong numeric capabilities; Ability to add, subtract, multiply and divide in all units of measure using whole numbers and common fractions.
Ability to read, analyze, and interpret documents.
Ability to communicate clearly

Nice To Haves

Bachelor’s degree in Business, Finance, or related field highly preferred

Responsibilities

Evaluate application data to advise potential borrowers on the bank’s commercial, agricultural or consumer loan products best suited for their needs and the needs of their business
Assist customers with completion of initial lending applications; review submitted applications for accuracy and completion and request additional information or detail as needed
Verifies information and financial history provided; acquires borrowers’ credit reports from major credit reporting bureau(s)
Examines application and creditworthiness of potential borrower; determines or makes recommendations regarding approval or denial/modification of requested loan
Approves or, when outside pre-approved lending limits, refers loans to management for analysis and approval
Ensures loan agreements are completed according to policy; calculates and explains payment schedules
Explains different lending and credit options and bank products to potential and current clients
Maintains credit and lending records and files
Maintains a robust referral network among the local banking community, with builders, real estate agents, and other related businesses
Various other responsibilities as assigned by supervisor