Banking Officer

About the role

As an 8-time winner of Best Places to Work (in Kentucky), we understand the importance of creating a workplace culture that gives our bankers a purpose each and every day. That purpose is to find unique ways to deliver our brand of happier banking service to customers and other employees. We’re looking for self-starters, outside-the-box thinkers, customer service wizards, small business enthusiasts, and servants within their community.

Responsibilities

• Develops and maintains customer relationships by calling on existing or prospective customers, including identification of prospects, suitable method of contact and determination of their needs and appropriate products and/or services.
• Interview applicants to develop information concerning their banking needs, explain the types of loans and other banking products available. Discuss options that are available, as well as the terms of those services.
• Obtain information for loan applications and other banking products, explain the process and answer questions.
• Analyzes applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
• Obtains and compiles copies of loan applicants' credit histories, corporate financial statements, and other financial information.
• Manage the loan application through the underwriting process to decisioning.
• Stays abreast of new types of loans and other financial services and products to better meet customers' needs.
• Stays abreast of regulatory compliance requirements, loan policy and operating guidelines.
• Reviews and updates credit and loan files.
• SUBMIT APPLICATIONS TO CENTRAL RETAIL OR CREDIT OFFICERS FOR UNDERWRITING AND ANALYSIS, AS APPLICABLE.
• SUBMIT NECESSARY DOCUMENTS TO CENTRAL PROCESSING DEPARTMENT AND LOAN PROCESSOR FOR GENERATION OF LOAN DOCUMENTS.
• CLOSE AND FUND LOANS WITHIN AUTHORITY.
• MANAGES CREDIT AND COLLECTION OF PAYMENTS UP TO 30 DAYS DELINQUENT FOR THE LIFE OF THE LOAN.
• MONITOR LOAN DOCUMENTS, INCLUDING LOAN AGREEMENTS TO ENSURE BORROWER IS IN COMPLIANCE WITH TERMS THROUGHOUT LIFE OF LOAN.
• HANDLES CUSTOMER COMPLAINTS AS NEEDED AND TAKES APPROPRIATE ACTION TO RESOLVE THEM.
• MANAGES DAILY NSF AS ASSIGNED.
• OTHER DUTIES AS ASSIGNED.

Qualifications

• Proficient in the use of all Microsoft Office products, in particular Word and Excel; Bank information systems; Laser Pro and Internet research when appropriate.
• Extensive background in financial institution operating policies and procedures and banking regulations including a thorough understanding of financial institution products and services.
• Ability to read, analyze, and interpret industry information such as customer financial statements, tax returns, and complex technical documents.
• Ability to effectively present information to management in verbal and written format.
• Ability to work with a team and members of other departments of known concepts.
• Ability to follow prescribed and detailed procedures to solve moderately complex problems and collect data, establish facts and draw valid conclusions.
• Ability to give full attention to what other people are saying; taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
• Ability to communicate orally to others to convey information effectively.
• Knowledge of those arithmetic, algebra, statistics, and their applications specific to the position.

Skills

• Competitive salary/wage
• Comprehensive benefits package to include: Health, Vision, & Dental Insurance
• 401(k) Retirement Plan with up to 4% Company Match (fully vested from day 1)
• Company Paid Life Insurance – 2x Base Salary, max of $100k
• Minimum of 15 days of Paid Time Off (PTO) after 60-day introductory period
• Nine Paid Holidays, plus Birthday Leave and Community Service Leave
• Charitable donation match
• Professional recognition
• And more!

Benefits

• Charitable donation match
• Professional recognition

Pay

Competitive salary/wage

Schedule

Flexible schedule that at times may include late working hours or weekend hours.

Physical Demands and Abilities

• The ability to listen to and understand information and ideas presented through spoken words and sentences.
• The ability to communicate information and ideas in speaking and writing so others will understand.
• The ability to identify and understand the speech of another person.
• The ability to see details at close range (within a few feet of the observer).
• The ability to tell when something is wrong or is likely to go wrong. It does not involve solving the problem, only recognizing there is a problem.
• The ability to stand for long periods.
• The ability to stand, bend, and lift up to 10 pounds.
• The ability to operate standard business equipment such as fax, computer, printer, copier, etc.
• The ability to look at a computer screen for long periods of time.
• The ability to regularly travel to other locations.
• Must be able to work on a flexible schedule that at times may include late working hours or weekend hours.

Other Requirements

• Pursuant to the Drug Free Workplace Act of 1988, all employees must remain drug free and alcohol free when reporting to work, while at work and while engaged in any work related activities.
• Comply with all Bank Secrecy Act rules and regulations and any related laws and regulations.

EEO Statement

We are committed to ensure fair and equal treatment for everyone we employ and as such, we are a proud Equal Opportunity Employer. We value diversity and believe employment, training, and promotional opportunities should be available to all persons without regard to race, color, gender (including gender nonconformity, gender identity, status as a transgender individual, and sexual orientation), sex (including pregnancy), age, religion, national origin, ethnicity, physical or mental disability, genetic information, political affiliation, protected veteran status or membership in the armed services, or any other consideration that is protected by applicable federal, state, and local law.