Consumer & Small Business Lender

About the role

Be the Guide for Life’s Big Decisions Imagine sitting across from a family ready to buy their first home or a business owner planning to expand. In a Lending role at Wilson Bank & Trust, you’re more than a banker—you’re a trusted friend who helps turn dreams into reality. Every conversation is an opportunity to guide someone through milestones that shape their future, from purchasing a home to growing a business. You’ll build relationships that go beyond transactions, becoming the person customers rely on for clarity and confidence in complex financial decisions. Over time, you’ll see those dreams come to life—homes filled with laughter, businesses thriving in your community—and know you played a part in it. It’s about being a cornerstone in your community, offering expertise and empathy while partnering with teams across the bank to deliver solutions that matter. Your career grows alongside the people you serve, and together, you’ll write stories of progress and possibility that last for generations.

The Consumer & Small Business Lender II meets with prospects and customers to develop and retain a lending portfolio of consumer and small business loans. With a focus on lending, this position retains and deepens existing relationships and develops new business through business calls, as well as collaboration with internal business partners to offer a range of banking products and services. The Consumer & Small Business Lender II reports to the Market Leader and provides excellent service and support to customers and teammates while demonstrating the Company’s values and supporting the mission.

Responsibilities

• Develop and retain a lending portfolio of consumer and small business loans, meeting with prospects and customers of various size and complexity
• Retain and strengthen current relationships and develop new business through various channels
• Make business calls independently and in collaboration with internal business partners to offer a range of banking products and services
• Schedule and coordinate meetings with customers and prospects. Attend business events. Serve as a primary point of contact for new and existing customers.
• Collect and analyze loan applications and required documentation
• Promote the Bank’s products and services to include advising customers on the advantages and disadvantages of various financial products
• Conduct preliminary credit analysis, review customer financial statements, and make recommendation to management
• Prepare loan proposals and credit memos, negotiating terms such as loan repayment methods and collateral specifications
• Develop and maintain interest rate structure consistent with bank policies and procedures and competitive with current market rates
• Comply with loan underwriting criteria to include approval limits, LTV, lien position, insurance requirements, etc.
• Responsible for monitoring construction draws, clearing exceptions, and gathering financial documentation from customers and internal teams
• Monitor loan status and follow up on outstanding documentation
• Communicate with prospects and borrowers on the status of credit decisions
• Maintain collection efforts to minimize past-due accounts
• Attend office and bank meetings, as scheduled, providing input and updates on lending activities as required
• Maintain professional and technical knowledge by attending educational workshops; reviewing professional publications; establishing personal networks; and participating in professional associations
• Adhere to compliance with all federal bank regulations and laws, including those for consumer protection and the Bank Secrecy Act/A