Loan Officer

SOUTHERN BANK•Chillicothe, MO

5d•Onsite

About The Position

The Loan Officer originates various loans, promotes the bank and its lending services to the real estate community, and helps identify and serve the community’s financial needs. The role includes soliciting and assessing loan applicants, completing application and pre-processing functions, screening requests under bank policies, collecting information needed for underwriting, and negotiating loan structure. The Loan Officer also supports the bank’s credit and CRA programs, works with internal partners on loan processing and presentations, refers customers for deposit products, and builds relationships with local businesses and real estate professionals. Southern Bank team members are expected to protect the confidentiality of customers’ non-public personal information and secure information systems in compliance with bank regulations. The position may be designated Level I or II based on the lender’s experience, the complexity of loan requests, portfolio size, loan production, and the supervisor’s recommendation.

Requirements

Good sales, organizational, managerial, and interpersonal skills.
Good oral and written communication skills.
Bachelor’s degree in business or finance, or sales/loan experience that may be considered in lieu of the degree.
One to two years’ experience in a financial institution or loan setting office.

Responsibilities

Solicit loan customers and personally interview, assess, and determine the creditworthiness of loan applicants.
Complete loan applications and all pre-processing functions in a timely manner.
Screen loan requests in accordance with bank policies and the types of loans offered by the bank.
Follow up with applicants, obtain information needed to underwrite loans, and conduct site visits when needed.
Negotiate loan structure.
Promote and participate in the bank’s special credit programs and other CRA programs.
Work with the loan coordinator to order appraisals, credit reports, reference checks, and other information as needed.
Refer customers to Personal Bankers for deposit-related accounts and products.
Collaborate with Credit Analysts to prepare loan presentations for the Loan Committee when necessary.
Participate in local business and community activities and maintain close contact with local builders, real estate brokers and agents, customers, and prospects.
Protect customer non-public personal information and secure information systems in compliance with bank regulations.