*Community First Bank of the Heartland is seeking a full-time, experienced, and energetic Commercial Loan Officer to join our team!*
*Job Summary:*
The Commercial Loan Officer will review loan applications to evaluate, authorize, and/or recommend the approval of commercial, credit, or real estate loans.
*Duties/Responsibilities:*
· Assists potential borrowers with completion of initial loan applications; reviews submitted applications for accuracy and completion, requesting additional information or detail as needed.
· Verifies information and financial history provided; acquires borrowers’ credit reports from major credit reporting bureau(s).
· Examines application and creditworthiness of potential borrower; determines or makes recommendations regarding approval or denial/modification of requested loan.
· Approves or, when outside pre-approved lending limits, refers loans to management for analysis and approval.
· Ensures loan agreements are completed according to policy; calculates and explains payment schedules.
· Explains different lending and credit options and bank products to potential and current clients.
· Maintains a robust referral network in the local banking community with builders, real estate agents, and other related businesses.
· Manages and collects delinquent loan payments on a weekly basis.
· Assists with the opening/closing duties of each bank branch location.
· Performs other related duties as assigned.
*Required Skills/Abilities:*
· Excellent verbal and written communication skills.
· Excellent interpersonal, customer service, and sales skills.
· Proficient with Microsoft Office Suite and/or other related bank software programs.
*Education and Experience:*
· Bachelor’s Degree in Finance or Business Administration preferred.
· Prior experience preferred.
*Physical Requirements:*
· Prolonged periods sitting at a desk and working on a computer.
· Must be able to lift up to 15 pounds at times.
· Must be able to travel at times.
This job description is not intended to cover or contain a comprehensive listing of activities, duties, or responsibilities required of employees in this position.
Further, this job description should not be considered an employment contract.
All employment is employment at-will.
We reserve the right to modify job duties or descriptions at any time.
Equal Opportunity Employer
Community First Bank of the Heartland hereinafter referred to as “the bank”, appreciates your interest.
All applications are considered for employment opportunities without regard to race, color, sex, age, religion, sexual orientation, genetic information, national origin, disability status (where otherwise qualified), status as a disabled veteran, or status as a Vietnam Era Veteran or any other characteristic prohibited by state or federal law.
Job Type: Full-time
Pay: From $1.
00 per year
Benefits:
* 401(k) matching
* Dental insurance
* Health insurance
* Life insurance
* Vision insurance
Physical setting:
* Office
Schedule:
* 8 hour shift
* Monday to Friday
Ability to commute/relocate:
* Mount Vernon, IL 62864: Reliably commute or planning to relocate before starting work (Required)
Experience:
* Fair Housing regulations: 1 year (Preferred)
* Loan origination: 1 year (Preferred)
* Sales: 1 year (Preferred)
Work Location: In person
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