Major Function:The Senior Loan Officer oversees all lending activity and manages the loan portfolio, including commercial, residential mortgage, consumer, and agriculture loans.
Essential Duties:- Partners with the Bank President to lead the bank's business development efforts with customers, prospects, and referral sources, which includes leading the outbound calling efforts in the trade area.
- Collaborates with the ANC Chief Lending Officer to maintain a strong credit culture and plan, organize and direct the workflow of the loan functions including lending, operations, and credit administration in accordance with guidelines, policies and procedures.
- Chairs the loan committee meetings to obtain loan approvals, exchange ideas, information and suggestions, and to review the application of lending policies, practices and procedures.
- Participates in management decisions pertaining to loan policy recommendations to the ANC Chief Lending Officer, participate in the strategic planning process, and other general bank policy matters.
- Networks, develops partnerships, and actively participates in community organizations and activities (often leadership roles) acting to enhance the image of the organization.
- Works closely with the Bank President to identify key strategies that drive the Company mission and vision.
- Coaches and mentors direct reports on professional development, including effective implementation and execution of strategies to attract new business and expand existing customer relationships.
- Hires and onboards new employees, determines salary increases, recommends promotions, manages performance improvement, prepares performance appraisals, and effectively handles disciplinary actions.
- Assures the consistent delivery of customer service in order to maximize customer satisfaction and retention.
- Assures confidentiality of customer information and adheres to all operational, security, risk and regulatory policies and procedures.
- Cultivates a culture that supports our core values through innovation, creativity, and teamwork.
- Exhibits our core values of Quality Service, Integrity, Responsibility, Expertise and Community Focused.
Requirements:Education & Experience- Bachelor's degree in business, finance or related field.
- Minimum 10 to 15 years of previous lending experience with preference given to those with demonstrated commercial, real estate and other lending success in a community bank environment.
Knowledge, Skills & Abilities- Strong business development skillset with a desire and ability to lead outbound calling efforts with customers, prospects, and bank referral sources.
- Strong commercial, agricultural, and consumer lending skillset.
- Basic computer literacy, with knowledge of computer software (i.e. Microsoft Windows Operating System and Office applications).
- Well organized, accurate and detail oriented.
- Excellent analytical decision-making and problem-solving skills.
- Excellent leadership skills.
- Excellent verbal, non-verbal, and written communication skills.
- Ability to work under pressure and multi-task.
- Ability to work independently or in team environment.
- Strong reading, writing, and basic mathematical skills.
- Excellent customer service and interpersonal skills.
- Ability to resolve challenging customer and/or employee situations.
- Ability to coach, mentor and lead a team of employees.
Reporting to this position: 3 Loan Officers
Physical Demands & Work Environment: The physical demands and work environment characteristics described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- Physical demands: While performing the duties of this job, the employee is frequently required to sit. The employees will frequently use and talk on the telephone and use a computer and other office equipment. The employee may occasionally be required to travel to other locations.
- Work environment: While performing the duties of this job, the employee is frequently located inside an office building. The employee is occasionally exposed to weather conditions prevalent at the time.
Monday-Friday 8:00a.m.-4:30p.m. with occasional opening or closing shifts and Saturday rotation 8:45a.m.-12:00p.m.
