Job Details
Job Location
Sacramento Financial Center Administration Expo - Sacramento, CA
We're seeking a driven and customer-focused Loan Officer to join our Real Estate Industries Team! In this role you will develop, evaluate, authorize and/or recommend approval of customer applications for commercial loans. Are you a Commercial Loan Officer looking to join a one-of-a-kind community bank? If so, we'd love to hear from you!
Responsibilities Include

• Interview applicants to develop information concerning their needs, abilities and earnings to determine whether a loan may be an acceptable risk
• Evaluate and service the needs of present and potential customers seeking a variety of commercial loans, deposit accounts and other Bank products
• Analyze applicant's financial status, credit and property evaluation to determine feasibility of granting loan or submit application to credit analyst for verification and recommendation
• Obtain and direct the analysis of all necessary financial data; may use Credit Services to assist or underwrite
• Make decisions on loans and terms within lending limits
• Negotiate the loan terms and conditions with customers and prospects
• Draft necessary documents and agreements and assure loan documents are complete and accurate
• Identify and analyze potential loan markets to develop prospects for commercial loans
• Promote and cross-sell other Bank products and services as appropriate
• Provide loan data to support marketing and sales promotion programs
• Administer and manage existing loans to ensure complete conformity with terms and adequacy of documentation remains cognizant of developing trends
• Call on existing customers to increase or retain business and call on potential customers to develop new business

What You'll Need to be Successful

• Communication - you speak and write clearly and persuasively in all situations and can speak effectively before groups of customers or employees
• Problem-solving Skills - you identify and resolve problems in a timely manner and work well in group problem-solving situations
• Customer Service - you respond promptly to customer needs, solicit customer feedback to improve service and respond to requests for service and assistance
• Attention to Detail - you don't miss the little things! You demonstrate accuracy and thoroughness in work
• Judgement - you exhibit sound and accurate judgment, support and explain reasoning for decisions and include appropriate people in decision-making process
• Ambition - you set and achieve challenging goals, demonstrate persistence and overcome obstacles
• Productivity - you meet productivity standards, complete work in timely manner and strive to increase productivity
• Teamwork - you listen without interrupting, remain open to others' ideas and foster quality focus in the team
• Professionalism - you always represent the Bank in the best light
• Dependability - you take responsibility for own actions and follow through on commitments
• Time Management - you prioritize and plan work activities and use time efficiently

Qualifications

• Bachelor's degree
• Five to ten years of commercial real estate lending or other lending related experience
• Knowledge of Database software, Loan Origination software, Spreadsheet software and Word Processing software

Why You Should Apply

• Full-time position with excellent compensation and benefits package
• Generous time off programs
• Bonus program
• Profit-sharing
• Discounted stock purchase program
• Excellent growth and development opportunities
• And much more!

Pay Range (Salary): $125,000 - $150,000/year
The purpose of this job description is to provide a summary of duties related to the position. It is not intended to be all-inclusive. The employee will perform other reasonable business duties as assigned by supervisor or other management.
First Northern Bank does not discriminate based on race, color, religions, sex, gender identity, age, national origin, marital status, pregnancy, disability, or any other protected status.
The duties outlined in this description are subject to modification or change by the organization, at any time, with or without notice.