Loan Officer - Regency Lakes

Peoples Bank and Trust•Wichita, KS

About The Position

The Loan Officer works directly with clients to assess their eligibility for loan products and recommend consumer, commercial, and agricultural lending solutions that meet their personal or business needs. The role reviews and analyzes loan applications to independently evaluate, approve, or recommend credit requests in accordance with bank policies and lending guidelines. It also involves preparing and maintaining loan documentation to ensure compliance with applicable regulations and internal policies. The position requires knowledge of the bank’s loan services, related policies and procedures, reports used to track outstanding loans, and business finance principles. The role is based in a professional office environment with climate control and adequate lighting. Occasional additional hours outside regular bank service hours may be needed to complete tasks.

Requirements

High school diploma or equivalent required.
Full knowledge of Peoples Bank and Trust loan services.
Understanding of PBT policies and procedures related to loan services.
Functional understanding of reports required to maintain and track outstanding loans.
Sound understanding of business finance principles and advisement.
Attention to detail; strong written and verbal communication; self-motivation and self-management; consistent follow-through; problem-solving; organization; analytical and interpersonal skills; customer relationship building; time management; computer literacy; and ability to multitask.
Ability to speak effectively and communicate clearly; hear average conversations in an office environment; regularly type and use a mouse; and meet the stated vision requirements.
Occasionally lift or move up to 20 pounds unassisted and stand, sit, bend, kneel, squat, and walk for long periods.

Nice To Haves

Bachelor’s degree in Business, Finance, or a related field preferred.
Two or more years of banking experience preferred.

Responsibilities

Evaluate application data and advise prospective borrowers on appropriate commercial, agricultural, and consumer loan products.
Assist customers with initial loan applications; review applications for accuracy and completeness and request additional information as needed.
Verify information and financial history, including obtaining credit reports from major credit reporting agencies.
Analyze applications and assess borrower creditworthiness; approve, deny, modify, or recommend loan decisions under established lending guidelines.
Approve loans within assigned lending authority and refer loans exceeding approval limits to management for further review and approval.
Ensure loan agreements are completed in accordance with bank policies and procedures; calculate and explain payment schedules and loan terms.
Explain lending products, credit options, and related bank services to prospective and existing customers.
Maintain accurate lending records, credit files, and supporting documentation.
Develop and maintain a local referral network, including builders, real estate agents, and other business partners.
Perform various other duties as assigned.