Commercial Lender

About the role

Interact with new and existing customers to match services that best fit their individual needs. Respond to inquiries and resolve issues while exercising independent discretion and judgment in soliciting, negotiating, underwriting, coordinating, and managing a client base of business, including portfolio management. Make independent lending decisions on all bank loan products and provide consultation to clients on matters of financial significance. Promote goodwill and generate new business by contacting customers, businesses, community organizations, and civic groups.

Responsibilities

• Assist customers promptly in person, by telephone, or electronically, meeting or exceeding Bank standards.
• 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 set by the Board of Directors.
• Approve operational deposit items in excess of teller supervisor limits, such as check approvals and cash items.
• Independently approve customer overdrafts within authorized limits.
• Manage all aspects of the assigned loan portfolio to meet or exceed established ratios for loan charge-offs and portfolio performance.
• Meet accuracy and correctness of work standards according to established policies and procedures.
• Meet or exceed annual cross-sell requirements and contribute to branch deposit growth and profitability 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 evenings and/or weekends.
• Perform other duties as assigned.

Requirements

• Bachelor’s Degree in a related field, with a minimum 3.0 overall GPA.
• Typically requires 1-2 years of related work experience, with 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 on occasion.