Loan Officer

FIVE POINTS BANK•Kearney, NE

2d•Onsite

About The Position

We are seeking a Loan Officer responsible for developing and generating new loans, underwriting, structuring, and closing of loans, as well as maintaining and servicing an existing portfolio with the assistance of a senior loan officer. This role involves representing the bank in local community affairs and participating in marketing all of the bank’s products and services.

Requirements

Excellent oral and written communication skills
Good computer skills in Excel and Word.
Formal Banking Training (i.e. Graduate School of Banking)
Excellent analytical and organizational skills
Self-motivated.
Sound judgment skills.
Bachelor’s degree in Finance, Business, Economics or years of work experience.
State of Nebraska Officers License
5 years of banking experience

Responsibilities

Build loan portfolio and ensure proper risk ratings and early identification of potential problems.
Call on prospects of businesses for future growth.
Approve loans within specified limits or recommend for approval of loan committee.
Administer their loan portfolio in compliance with internal and regulatory guidelines while accurately assessing the quality of the loans.
Support the bank’s strong relationship-banking culture through on-going customer contact, quality customer service, and superior product knowledge.
Meet with applicants to obtain information for loan applications and to answer questions about the process.
Analyze applicant’s financial status, credit, and assets to determine feasibility of granting loans.
Perform in-house real estate valuations and review appraisals.
Obtain and compile copies of loan applicants’ credit histories, financial statements, and other financial information.
Educate customers on different types of loans and credit products that are available, as well as the terms of those services.
Prepare and mail denial letter and/or meet and discuss why applicants did not qualify.
Develop strong referral network within the bank’s trade area.
Monitor interest rate fluctuations to provide most attractive terms to present clients and prospects while keeping the bank’s best interest in mind.
Represent the bank in community activities by participating in community affairs.
Cross-sell loan customers on other bank products.
All other duties as assigned.