Loan Officer Southside Branch
About The Position
Metro Bank is seeking a detail-oriented Loan Officer for its Southside Branch in Southside, Alabama. The Loan Officer guides clients through the loan process by meeting with applicants, preparing loan proposals, examining active loans, and ensuring loan agreements comply with federal and state regulations. The ideal candidate is an effective communicator with strong analytical skills who is comfortable working in a fast-paced environment. The position maintains a portfolio of commercial and consumer loans and develops commercial business in the market area. The Loan Officer evaluates applicants, explains available loan and credit options, manages loan records, and approves applications within specified limits, referring other applications to management for approval. Metro Bank describes a family atmosphere in which employees are treated fairly and promoted based on work ethic and performance. The bank is an Equal Opportunity Employer of women, minorities, protected veterans, and individuals with disabilities.
Requirements
- Proven work experience in lending.
- Understanding of lending procedures and customer service experience.
- Strong understanding of banking laws and regulations.
- Excellent communication and people skills.
- Ability to manage confidential and sensitive information.
- Ability to work well under pressure and meet deadlines.
- Bachelor of Science degree in finance, economics, or a related field.
- Positive outlook, integrity, and a passion for working with customers and serving the community.
Responsibilities
- Evaluate applicants’ creditworthiness and eligibility for loans.
- Maintain an existing portfolio of commercial and consumer loans.
- Develop commercial business in the market area.
- Meet with applicants to obtain information for loan applications.
- Review active loans and applications to ensure compliance with laws and regulations.
- Manage and update loan records and send them to loan processing for verification.
- Explain available types of loans and credit options to customers.
- Approve loans within specified limits and refer applications outside those limits to management for approval.
- Prepare loan proposals and examine active loans.
Benefits
- 401(k) plan and ESOP retirement plans with employer contributions.
- Health insurance.
- Dental insurance.
- Vision insurance.
- Life insurance, including employer-provided life insurance.
- Accidental insurance.
- Sick leave and vacation policy.
- Cafeteria plan.
- Employer-provided long-term disability.
- Bonuses.
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What This Job Offers
Job Type
Full-time
