What are the responsibilities and job description for the Bank Loan Officer position at Availa Bank?
Description
EEO/AA employer
Availa Bank believes our people make a difference and we recognize that individual differences and experiences strengthen our teams. Each member of our team is empowered to inspire and enable our clients and the communities we serve to achieve financial success. Click the Apply link to find out more.
This is not a remote position.
BANK LOAN OFFICER POSITION SUMMARY
The Bank Loan Officer is responsible for generating, approving, and maintaining quality agriculture and/or business loans for the bank’s portfolio.
BENEFITS
Availa Bank offers a rich selection of benefits you can personalize to support you and your family’s needs.
Benefits may include:
- Medical, Dental & Vision Plans
- Option for Health Savings Account (HSA)
- Life Insurance (Company paid for employee)
- 401K and Employee Stock Ownership Plan (ESOP)
- Company Paid Short- & Long-Term Disability Insurance
- Flexible Spending Account (FSA) & Dependent Care
- Eligibility for Tuition Assistance and Discounts
- Employee Assistance Program (EAP)
BANK LOAN OFFICER PRIMARY RESPONSIBILITIES AND ACCOUNTABILITIES
- Responsible for sourcing new client relationships and expanding current client products and services by proactively developing pipeline activity for profitable new revenue growth. Primary products are loans, deposits, treasury management services and fees associated with these and other products.
- Responsible for soliciting, establishing, and maintaining new agricultural and commercial/business banking relationships within an identified portfolio or market area.
- Provide a high level of customer service by assuring that the products meet the client’s expectations. Work with clients through difficult/complicated issues that may arise and will function as a liaison between the client and bank operations area to make certain all client needs are met.
- Handle collections on delinquent loans; monitor the quality of existing loans
- Will adhere to and remain current with bank policy, procedures, lending laws and regulations.
- Will maintain knowledge of products and services offered by competitors and other vendors.
- Make recommendations for new loan products and services.
- Maintain a high level of customer confidence, assumes a leadership role within the bank and community by participating in projects and activities.
- Manage the credit application process to approve, deny or recommend credit action for loan applications within an acceptable customer service and regulatory timeframe.
- Analyze all credit applications utilizing sound unwriting credit analytics.
- Maintain loan quality by striving for low incidence of incomplete documentation or regulatory violation.
Requirements
BANK LOAN OFFICER ROLE QUALIFICATIONS
Education
- High school diploma or equivalent required
- Bachelor’s degree preferred, ideally in a business related discipline
Experience
The ideal candidate will have:
- Minimum 3 years in the banking or lending environment
- Minimum of 2 years of credit experience
- Minimum of 2 years of sales and negotiation experience
Other Skills and Abilities
- Proficient in Word, Excel, and Outlook
- Exceptional oral, written, and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, interpret documents, understand procedures, write reports and correspondence, speak clearly to customers and employees
- Exceptional organizational and time management skills; ability to function well in a demanding environment
- Must have a valid driver’s license and reliable transportation
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