Commercial Lender

About the Role

While projecting a professional image, this role interacts with new and existing customers to match services that best fit their individual needs. It involves responding to inquiries, resolving issues, and exercising independent discretion and judgment in soliciting, negotiating, underwriting, coordinating, and managing a new and existing client base of business, including portfolio management.

Responsibilities

• Ensure customers are assisted promptly in person, by telephone, or electronically, meeting or exceeding Bank standards as identified in the Family Values Playbook.
• Open new accounts (including loan and/or deposit), update customer files, or close accounts.
• Make credit decisions to approve or deny consumer chattel, consumer real estate, business aggregate, and agricultural aggregate loan applications, as approved by the Board of Directors annually.
• Approve exceptions to the established loan policy within limits approved by the Board of Directors annually.
• Approve various operational deposit items in excess of teller supervisor limits, such as check approvals and cash items.
• Independently approve customer overdrafts within limits authorized by the Board of Directors.
• Manage all aspects of the assigned loan portfolio to meet or exceed established ratios.
• Maintain annual loan charge-offs to meet or exceed established ratios.
• Meet accuracy and correctness of work standards according to established policies and procedures.
• Meet or exceed annual cross-sell requirements.
• Contribute to branch deposit growth and branch profitability annual goals.
• Resolve customer complaints or ensure referral to the appropriate individual for resolution.
• Verify and ensure appropriate action was taken to resolve customer problems.
• Represent the Bank at various bank-sponsored events, including during regular banking hours, evenings, and/or weekends.
• Perform other duties as assigned.

Qualifications

• Bachelor’s Degree in a related field with a minimum 3.0 overall GPA required.
• Typically requires 1-2 years of related work experience and the knowledge, skills, and ability to perform the essential requirements of the job.
• Possess and maintain a valid Oklahoma Driver’s License.

Physical Requirements

• Long periods of standing or sitting, typing, and repetitive motion.
• Ability to lift and carry up to 25 lbs occasionally.