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2410-2 Loan Officer

First Community Bank

Loan Officer

FLSA Status: Exempt

Reports to: Sr. Loan Officer

Summary:
The Loan Officer actively pursues building relationships with new and potential customers. They exercise independent judgment in recommending and structuring credit solutions with sound credit administration while meeting FCB’s growth needs. The Loan Officer is responsible for generating, closing, and servicing loans. Loan types may consist of consumer, consumer real estate, commercial, and agricultural.

Essential Duties and Responsibilities:
· Responds to customer inquiries, explains loan options and requirements.
· Complete and evaluate loan applications.
· Make credit extension decisions and recommendations.
· Manages loan portfolio, to include on-going communication and follow-up with customers.
· Provides exceptional customer service to internal and external customers.
· Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan; approves loans within established lending guidelines.
· Evaluates loan applications and documentation by confirming credit worthiness.
· Coordinates processing of approved loans; ensures loans are processed according to agreements, customer needs, and Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems related to processing and servicing of loans within assigned portfolio.
· Maintains database and monitors performance of loan portfolio to ensure proper risk ratings and early identification of potential problems.
· Develops new loan and deposit business by developing relationships with prospective customers, identifying needs, recommending solutions, and closing sales.
· Follows regulatory requirements by protecting information for privacy and confidentiality, displaying discretion in discussing customer information, obtaining proper information and paperwork to complete transactions, and following bank policies and regulations.
· Other duties as assigned.

Job Qualifications:
· Bachelor’s degree in related field preferred.
· 3+ years’ related experience
· Proficient in Microsoft Office products with demonstrated ability to learn new technology.

Knowledge, Skills, and Abilities:
· Demonstrates strong customer relationship skills with effective communication.
· Highly motivated to meet and exceed goals, as well as customer expectations.
· Commitment to maintain strong involvement in the local community.
· Skilled in making business decisions upon which both customers and FCB can rely on.
· Ability to form effective internal working relationships.
· Must have excellent attention to detail along with critical thinking skills.
· Must possess the ability to work well with employees at all levels of the organization and work well independently and as part of a team.
· Demonstrated work experience with confidential and sensitive information
· Strong organizational skills with the ability to multi-task
· Must be able to gather and analyze information skillfully

This job description is an outline of the major recurring responsibilities of the job. It is not intended to be all-inclusive of the work to be performed. Other related job objectives, special assignments and less significant responsibilities will be performed by the incumbent(s).

Job Type: Full-time

Benefits:
• 401(k)
• 401(k) matching
• Dental insurance
• Employee assistance program
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Retirement plan
• Vision insurance
• Compensation Package:
• Salary based on experience
• Commission pay

Schedule:
• 8-hour shift
• Monday to Friday

Experience:
• Loan processing: 3 years (Required)
• License/Certification:
• MLO License (Required)

Ability to Relocate:
Shelbyville, TN 37160: Relocate before starting work (Required)

Work Location: In person

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