Loan Officer

Alliant Bank•Kirksville, MO

About The Position

Alliant Bank is seeking an experienced Loan Officer to join our team and play a key role in originating, underwriting, and actively managing a loan portfolio while building long-term customer relationships. This position is ideal for an experienced lender who values credit discipline, customer service, and being part of a stable, community-focused organization that offers a competitive compensation and benefits package. Why Join Our Bank Relationship-focused community banking environment. Stable institution with traditional values and local decision-making. Competitive salary based on experience. Excellent benefits package, including health insurance, retirement plan, paid time off, and holidays. Opportunity to make a meaningful impact in the communities we serve.

Requirements

High school diploma or equivalent required; associate or bachelor’s degree in finance, business, or related field preferred.
No existing employment or non-solicit agreements restricting customer or employee engagement.
Demonstrated experience managing a commercial and/or consumer loan portfolio, including ongoing credit monitoring and relationship oversight.
Strong background in loan underwriting, credit analysis, and financial statement review.
Knowledge of community bank lending practices, credit policy, and regulatory requirements.
Proven ability to build and retain long-term customer relationships.
Strong communication, negotiation, and organizational skills.

Nice To Haves

Prior experience presenting loans to a credit committee is preferred.

Responsibilities

Review, evaluate, and manage applications for loans, lines of credit, and credit extensions in accordance with established credit guidelines, portfolio strategy, and bank policies.
Manage an assigned loan portfolio, including ongoing credit quality monitoring, risk management, relationship retention, and responsible portfolio growth.
Authorize or recommend credit approvals within delegated authority, ensuring alignment with the bank’s risk appetite and concentration limits.
Negotiate loan terms including pricing, amortization, covenants, and collateral structures, consistent with bank policy and market conditions.
Direct and participate in loan closings, ensuring accurate documentation, timely execution, and compliance with internal policies and regulatory requirements.
Achieve established goals for loan production, portfolio performance, asset quality, and profitability.
Generate new business and deepen existing relationships through referrals and cross-selling of deposit, treasury, cash management, and other bank services.
Analyze borrower financial statements, cash flows, credit history, and repayment capacity to support sound credit decisions.
Perform detailed underwriting in accordance with bank credit policies, identifying key risks and appropriate credit mitigants.
Prepare, present, and defend credit requests to the bank’s credit committee, including comprehensive financial analysis and risk assessments.
Evaluate complex credit situations and develop creative, compliant lending solutions that meet customer needs while protecting portfolio quality.
Develop and maintain strong relationships with borrowers and prospects, serving as a trusted financial advisor.
Meet established goals for proactive customer and prospect outreach.
Consult with customers on lending options, clearly communicating risks, benefits, costs, and alternatives in compliance with regulatory requirements.
Communicate credit decisions professionally, including explaining deficiencies and alternatives when a request cannot be approved.
Respond promptly to customer questions and provide consistent follow-up throughout the lending process.