Commercial Lender

At First National Bank & Trust, we commit to promoting the success of our customers and communities, providing high quality financial services, and maintaining a strong, safe financial institution. We are seeking a dedicated and self-motivated Commercial Loan Officer. Other qualities we need include:

• • Excellent verbal and written communication skills
  • Accuracy and efficiency
  • Cultivate relationships easily
  • Outstanding at customer service
  • High level of integrity
  • Strong leadership skills

Essential Functions

• Approve loans within specified limits, and refer loan applications outside those limits to Senior Loan Committee for approval.
• Meet with applicants to obtain information for loan applications and to answer questions about the process.
• Analyze applicants’ financial status, credit and property evaluations to determine feasibility of granting loans.
• Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
• Obtain and compile copies of loan applicant credit histories and other financial information.
• Review loan agreements to ensure that they are complete and accurate according to policy.
• Submit applications to credit analysts for verification and recommendation when necessary.
• Negotiate payment arrangements with customers who have delinquent loans.
• Market bank products to individuals , promoting bank services that may meet customers’ needs.
• Actively participate in business development by analyzing potential loan markets, developing referral networks to locate prospects for loans, calling on, contacting and/or visiting potential customers as well as current customers.