VP, Loan Officer

RCB Bank•Claremore, OK

4d•Onsite

About The Position

RCB Bank is seeking a VP, Loan Officer responsible for developing new business, underwriting, structuring new loans, and maintaining and servicing an existing portfolio. This role involves representing the Bank in community affairs and participating in marketing all of the Bank’s products. The position supports the Bank's strong relationship banking culture through ongoing customer contact and superior product knowledge, aiming to maximize bank profitability through appropriate pricing and fee income. The role also includes daily review and approval of overdrafts and negotiating loan terms based on risk considerations.

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
Strong oral and written communication skills
Sound judgment in decision making
High proficiency in problem solving
Strong leadership and interpersonal skills
Ability to communicate clearly and effectively with customers and co-workers
Ability to effectively present information and respond to questions from groups of managers, clients, members and the public
Care about your community and have a desire to be involved
Regular and reliable attendance
Ability to work varying hours
Ability to work effectively as a member of a team and independently
Ability to work harmoniously with diverse personalities of co-workers, staff and customers

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.
Represent the Bank with active participation in community affairs.
Participate in marketing all of the Bank’s products.