Loan Officer

RCB Bank•Ponca City, OK

1d•Onsite

About The Position

RCB Bank has been a responsible employer since 1936, standing firm on moral and ethical principles as a bank and as an inclusive employer while fulfilling our commitment to excellence. Operating with values such as integrity, respect, sincerity and honor, RCB Bank is an equal opportunity employer, striving to hire diverse employees who meet high standards of character, education and occupational qualifications. RCB Bank is dedicated to building Relationships, contributing to our Communities, and embracing our Boldness! At RCB Bank, we believe that every role within our organization plays a critical part in delivering exceptional service to our customers and communities. The jobs we offer reflect our commitment to building strong, meaningful relationships and maintaining the highest standards of integrity, professionalism, and customer care. We are dedicated to fostering a culture where every team member understands their purpose and impact on our mission to serve the financial needs of our customers while contributing to the economic vitality of the communities we call home. RCB Bank is committed to creating an outstanding experience for our customers in every single interaction, and we desire to differentiate RCB Bank from the competition through exceptional standards of service. All employees, whether in person, on the phone, through email, or online are expected to conduct themselves with the utmost level of professionalism and customer service while adhering to the RCB Bank standards of service: Integrity, Reputation, Professional, Empowered, Welcome, Ownership, Action, Responsive, Relational, and Excel. What we’re looking for: Someone responsible for developing new business, underwriting, structuring new loans, as well as maintaining and servicing an existing portfolio. Someone to represent the Bank with active participation in community affairs and participate in marketing all of the Bank’s products.

Requirements

High school diploma or GED
Formal Credit training; ability to understand basic cash-flow analysis using tax returns, Financial Statements, Balance Sheets, Income Statements or Profit & Loss Statements
You possess strong oral and written communication skills.
You have sound judgment in decision making and high proficiency in problem solving.
You possess strong leadership and interpersonal skills and an ability to communicate clearly and effectively with customers and co-workers.
You can effectively present information and respond to questions from groups of managers, clients, members and the public.
You care about your community and have a desire to be involved.

Nice To Haves

Bachelor's degree in Finance, Business, or related degree field

Responsibilities

Monitor an existing loan portfolio consisting of both consumer and commercial credits, ensuring proper risk ratings and anticipating potential problems.
Source, develop, and underwrite new loan relationships and cultivate existing loan relationships.
Maximize bank profitability through appropriate pricing of new loans with fee income through originations, selling of credit life, and referral of all bank products.
Daily review, approval, and disposition of overdrafts.
Negotiate terms, structure loan financing based on risk considerations, and present to appropriate levels of authority for approval.
Support the Bank’s strong relationship banking culture through ongoing customer contact and superior product knowledge.