Loan Officer

Security State Bank & Trust•Marble Falls, TX

10d

About The Position

Loan Officers will be responsible for building and maintaining loan portfolios. Loans will meet established guidelines in compliance with bank policy. Loan Officers will process and perform loan servicing responsibilities for existing and prospective bank customers. They will also assist with monitoring loans and reporting loan conditions.

Requirements

Must meet minimum qualifications to be considered
Minimum 4 years banking experience required
Bachelor’s Degree in finance or related field preferred, including accounting coursework
Experience using all MS Office products
Formal credit training preferred
Ability to perform intermediate financial analysis under limited supervision
Good oral and written communication skills

Nice To Haves

Formal credit training preferred
Bachelor’s Degree in finance or related field preferred, including accounting coursework

Responsibilities

Promote and emulate SSB&T Core Values
Provide excellent customer service according to our Core Values
Call on prospective customers and accept credit applications
Evaluate a potential borrower’s loan application, financial capacity, and creditworthiness
Approve or deny loan requests within appropriate lending limit
Prepare and present loans to appropriate approval authority if loan amount exceeds established lending limit or deviates from policy
Professionally and effectively communicate between all departments and branches of the Bank
Ensure closing of loans with customers and monitor the funding of an approved loan
Maintain responsibility for loan files; manage a portfolio of consumer and commercial loans
Support SSB&T community outreach and events
Attend offsite meetings and training events; complete web-based training as required
Inspect secured collateral and coordinate collection efforts and disposition of collateral if needed
Assist branch opening, closing, and balancing duties
Review all loan documentation for accuracy and collateral
Manage draws for all construction loans
Seek out new bank relationships; grow bank deposits
Service commercial and retail customers including cross-selling additional services
Actively promote loan and deposit products and services to current and potential customers
Other duties as assigned