Commercial Loan Officer for Mexico/Centralia

About the Company:

The Bank of Missouri has been in business since 1891, serving communities across Missouri. Over the years, the bank has grown from a single location to 30 branches, focusing on providing exceptional service and supporting its communities.

Essential Duties and Responsibilities

• Originate commercial loan relationships through proactive business development efforts, including frequent outside calling on clients and prospects.
• Develop, manage, and grow full banking relationships by identifying and delivering appropriate loan, deposit, treasury management, and other fee-based solutions.
• Take loan applications; interview applicants; request and analyze credit reports, financial statements, reference checks, and collateral documentation to evaluate creditworthiness and loan feasibility.
• Analyze borrower financial condition, cash flow, collateral, and risk to determine appropriate credit structure and terms.
• Compile complete and accurate loan packages and facilitate negotiations with borrowers regarding loan terms, pricing, fees, and repayment options.
• Refer loans for underwriting and approval when required and ensure loan commitments, agreements, closings, and funding are completed accurately and timely.
• Manage a portfolio of existing relationships by obtaining current financial information, monitoring credit quality, and performing ongoing risk assessments.
• Properly risk-rate credits and escalate concerns to management when material deterioration in credit quality is identified.
• Conduct periodic client meetings to review financial performance, discuss business conditions, and uncover opportunities to expand relationships through additional products and services.
• Actively generate core deposits and fee income through treasury management, cash management, merchant services, and other applicable bank offerings.
• Partner with internal teams across business lines (Treasury Management, Retail, Wealth, Mortgage, etc.) through joint calling, referrals, and coordinated relationship strategies.
• Utilize government lending programs when appropriate to meet customer credit needs and support relationship growth.
• Maintain a working knowledge of all loan products, deposit products, and services offered by the Bank.
• Participate in collection efforts to ensure timely resolution of delinquent accounts, including restructuring repayment terms when necessary.
• Courteously assist customers with inquiries and resolve complaints related to lending and other banking products and services.
• Establish and maintain positive relationships with referral sources, community organizations, and business partners to promote the Bank’s full suite of products and services.
• Represent the Bank in professional associations, community events, and local business organizations to enhance brand visibility and business development.
• Maintain compliance with all applicable federal and state commercial lending laws and regulations.
• Participate in ongoing training, seminars, conferences, and workshops to maintain professional and technical expertise.

Qualifications

• Bachelor's degree (B. A.) from four-year college or university in the field of business, including specific courses in accounting, finance, and economics, or
• Six to seven years banking experience and/or training, or
• Equivalent combination of education and experience.