Loan Officer

SOUTHERN BANK•Batesville, AR

About The Position

PRIMARY PURPOSE OF JOB Originates various loans, promotes the bank and its lending services to the real estate community and helps to identify and serve the community’s financial needs. EXPECTATIONS OF ALL SOUTHERN BANK TEAM MEMBERS Southern Bank team members are a family, rooted in the communities we serve and working together to be the best in our industry, utilizing innovative ideas and strong products. The Southern Bank Patch illustrates these ideals. Ensures the confidentiality of customer non-public personal information and secures information systems to comply with bank regulations. The following specifications are general guidelines based on the minimum education and experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

Requirements

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

Responsibilities

Solicits loan customers; personally interviews, assesses and determines credit worthiness of loan applicants
Completes loan application and all pre-processing functions in a timely manner
Screens loan requests based on bank policies and on types of loans offered by the bank
Follows up with applicants and secures the necessary information to underwrite the loan and conducts site visits if needed
Negotiates loan structure
Promotes and participates in the bank’s special credit programs and other CRA programs
Works with loan coordinator to order appraisals, credit reports, reference checks and other information as needed on loan applicants
Actively makes referrals to Personal Bankers for deposit-related accounts and products
Collaborates with Credit Analysts in order to prepares loan presentations as necessary for presentation to the Loan Committee
Actively participates in local business and community activities and maintains close contact with local builders, real estate brokers and agents, customers and prospects.