Commercial Loan Officer

Company: First Neighbor Bank
Location: Arthur
Posted on: July 29, 2022

Job Description:

Position Summary




Responsible for analyzing and making loans within First Neighbor's quality and risk guidelines; ensures applicable lending policies and procedures are followed; promotes business by referring customers to appropriate First Neighbor staff and by maintaining superior customer service.








1. Represents First Neighbor to the public; markets loan products and services.
2. Develops and maintains own loan portfolio with all the essential duties and responsibilities it requires.




3. Solicits new loan customers; informs prospective clients about First Neighbor's competitive loan products; retains and expands existing customer relationships; personally calls on customers and prospects.




4. Counsels customers regarding existing loans, financial requests, financing terms and options and other related requests.




5. Screens credit applications and analyzes financial statements to determine credit potential; independently approves or denies credit within First Neighbor's guidelines.




6. Composes loan narratives for presentation to loan committees and/or BOD.




7. Coordinates the loan documentation process by working with loan support staff and other parties to ensure that all necessary and appropriate loan documents are prepared and obtained.




8. Reviews completed loan document files and initiates secondary review that is logged.




9. Identifies and monitors credit problems; calls customers regarding past due accounts, related overdrafts, late payments and non-sufficient fund activity.




10. Complies and stays up-to-date with all First Neighbor's policies and procedures as well as federal and state laws/regulations; with emphasis on privacy and confidentiality.




11. Acts and serves as an Officer for First Neighbor by serving on committees and when dealing with customers, potential customers and employees. Opens and closes branch facilities; stays current with First Neighbor's security policies and procedures.




12. Assist co-workers in performing teller and customer service duties as needed.




13. Promotes and sells appropriate First Neighbor products and services. Makes appropriate referrals to First Neighbor's investment centers and tax and accounting service.




14. Demonstrates and encourages positive professional relationships and level headedness in all interactions with all customers, co-workers, and contacts. Keeps emotions under control and speaks in a respectful tone of voice.




15. Represents First Neighbor at various civic and community functions to enhance its image and develop new business.




Bachelor's Degree preferred; Three years related experience and/or training; or equivalent combination and experience.

Keywords: First Neighbor Bank, Decatur , Commercial Loan Officer, Other , Arthur, Illinois