Commercial Loan Officer - St. Louis Market

Essential Duties and Responsibilities

• Interview applicants and request specified information for loan application;
• Analyze applicant financial status, credit, and property evaluation to determine feasibility of granting loan;
• Correspond with or interview applicants or creditors to resolve questions regarding application information;
• Compile loan packages and facilitate negotiation with applicants according to established standards;
• Make loan decisions or refer loan to Loan Committee for approval when appropriate;
• Assure timely loan closing and funding activities;
• Identify business opportunities for commercial depository and treasury management services;
• Obtain requested depository and/or analysis statements to analyze with the Treasury Management Officer;
• Utilize government programs when deemed necessary to meet customer's credit needs;
• Assist customers with inquiries and information requests and resolve complaints relating to loan products and services offered;
• Participate in the collection procedures and processes of the loan officers to assure the timely collection of all delinquent accounts and develop revised loan repayment terms or schedules as necessary;
• Establish and maintain positive working relationships with loan businesses and other organizations to provide information regarding the lending programs and policies;
• Participate in the Bank's business development activities, represent the Bank in industry and professional associations, community organizations, local business groups, etc., and promote the Bank's favorable image.

Non-Essential Duties & Responsibilities

• Service cash management needs of non-borrowing customers;
• Maintain education and professional expertise through attendance at job related seminars, conferences and workshops;
• Supervise others (none).

Qualifications

• Educational Background: Bachelor's degree (B.A.) from four-year college or university in the field of business, including specific courses in accounting, finance, and economics plus additional lending-related experience; or eight to ten years related banking experience and/or training; or equivalent combination of education and experience.
• Experience: Experience as a commercial lender is highly preferred.
• Skills: Ability to read, analyze, and interpret common scientific and technical journals, financial reports, and legal documents; ability to respond to common inquiries or complaints from customers, regulatory agencies, or members of the business community; ability to write speeches and articles for publication that conform to prescribed style and format; ability to effectively present information to top management, public groups, and/or boards of directors; ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume; ability to apply concepts of basic algebra and geometry.

Reasoning Abilities

• Ability to define problems, collect data, establish facts, and draw valid conclusions.
• Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.

Physical Demands

• Sit and talk or hear.
• Walk.

Work Environment

• Occasionally exposed to outside-weather conditions.
• Noise level in the work environment is usually moderate.
• This position is based on site. Telecommuting schedule will be determined with manager approval.

Comments

• Position may require some overnight travel to attend various training or educational programs.
• Position requires the ability to work before or after normal business hours.