Business & Personal Lending Officer (59914)

About the Role

The Business & Personal Lending Officer serves as a versatile lending professional, responsible for originating and managing a broad range of loan products including consumer installment, consumer real estate, and light commercial loans. This role combines relationship building, financial expertise, and sound judgment to help individuals and small businesses achieve and protect financial success. The officer supports the bank’s mission to grow stronger communities while maintaining a conservative credit culture that prioritizes responsible lending and long-term customer outcomes.

Responsibilities

• Customer Relationship Development & Sales Execution:
  • Build long-term, profitable partnerships through goal-directed, organized relationship development.
  • Engage customers in structured conversations to identify financial needs and present meaningful solutions across consumer and commercial products.
  • Apply a consistent sales approach: prospecting, rapport building, presenting value, qualifying, closing, and generating referrals.
  • Collaborate across business lines to deliver holistic financial advice, including insurance and financial advisory services.
  • Drive growth of core deposits and non-interest income (business and payment services, insurance, and financial advisory commissions) in alignment with the market strategic plan.
  • Promote financial success through trust-based, value-driven interactions that prioritize customer outcomes over transactional selling.
• Loan Origination & Processing:
  • Guide customers through the application process for installment, real estate, and light commercial loans.
  • Collect and verify borrower and business information including income, debts, collateral, property details, and legal documentation.
  • Enter applications into appropriate systems (LOS, Encompass) and track progress using system milestones and checklists.
  • Coordinate with Loan Coordinators, title companies, and internal teams to ensure timely and complete processing.
  • In structuring loan transactions, incorporate deposit relationships and non-interest income solutions when appropriate, ensuring these additions serve the customer’s needs and support the bank’s strategic growth objectives.
• Financial Review & Credit Evaluation:
  • Conduct financial analysis including DTI, LTV, DSCR, ATR/QM validation, and basic cash flow reviews.
  • Analyze personal and business financial statements, tax returns, rent rolls, and credit reports.
  • Collaborate with credit analysts for complex underwriting and prepare internal loan summaries and credit memos.
  • Apply sound judgment consistent with the bank’s conservative credit culture to structure win-win loan solutions.
• Compliance & Documentation:
  • Maintain full compliance with banking regulations including RESPA, HMDA, Reg Z, Reg B, CRA, BSA, Flood Determination, and others.
  • Ensure documentation is complete, accurate, and professionally presented.
  • Monitor for changes in loan terms and manage change circumstances appropriately.
• Post-Closing, Collections & Portfolio Support:
  • Monitor loan performance and identify early signs of delinquency or financial distress across consumer and commercial portfolios.
  • Communicate professionally with borrowers regarding past-due accounts and repayment options.
  • Document collection efforts and support restructuring when appropriate.
  • Coordinate escrow setup and monitoring for real estate loans.
  • Set ticklers for financial reporting, insurance, loan covenants, and property taxes as applicable.
  • Follow up on documentation exceptions and maintain proactive communication to support customer financial health.

Requirements

• Bachelor's degree in business, finance, or a related field preferred but not required.
• Experience in customer and light commercial banking, with demonstrated ability to originate, underwrite, and manage installment, real estate, and small business loan products and portfolios.
• Strong financial analysis skills, including evaluation of debt-to-income (DTI), loan-to-value (LTV), DSCR, credit reports, tax returns, basic balance sheet analysis, and basic cash flow.
• Proven ability to build long-term customer partnerships through consultative, relationship- and needs-based conversations, and a consistent, value-driven sales approach.
• Solid working knowledge of banking regulations and compliance requirements, including RESPA, HMDA, Reg Z, Reg B, CRA, BSA, and Flood Determination, and ability to interpret and apply organizational policies consistently.
• Experience supporting loan portfolios post-closing, including monitoring performance, addressing delinquency, coordinating escrow requirements, and maintaining accurate and current documentation such as financial statements, tax returns, and other collateral monitoring reports.

Physical Requirements

• Must be able to remain in a stationary position for long durations (e.g., 6 to 8 hours with breaks).
• Occasionally required to stand or walk short distances.
• Manual dexterity for using keyboard, mouse, and telephone system.
• Visual acuity to read computer screens and written documents.
• Occasionally lifting office supplies, files, and small packages (typically up to 10 to 25 lbs.).
• Ability to hear and understand spoken communication, including customer (internal and external) inquiries and phone conversations.
• Ability to speak clearly and be understood in person and over the phone.

About the Company

Being a First Stater means that you roll up your sleeves and dig in. It means you work hard and do your best. It means that you enjoy learning new skills and are always eager to improve. It means you help the team by being a great teammate. It means you're passionate about making a difference in the lives of our customers and our communities. It means you consistently find new ways to improve our organization.