Commercial Loan Officer

American Bank of Freedom is looking for an experienced Commercial Loan Officer to join our team at our Montgomery County, Missouri branches.

Develops, manages, and grows, commercial, and/or commercial real estate loans that meet established commercial lending criteria and provide maximum profitability to the Bank at minimum risk. Develops and increases commercial and retail deposit accounts.

Responsibilities include, but are not limited to:

• Develop new and maintain existing customer base and build customer satisfaction and confidence in the Bank
• Emphasis on CRA eligible lending in the assessment area.
• Manage the asset quality of the assigned loan portfolio.
• Reviews delinquency reports to ensure proper collection efforts are being utilized to manage the credit risk of the portfolio.
• Communicates timely and in a comprehensive manner with their supervisor concerning any credit that is experiencing stress.
• Manage, supervise, and grow individual and commercial loan portfolios.
• Represent the Bank and provides leadership in key community activities and committees.
• Works effectively with personnel in the Credit Administration Department.
• Solicits new customers and negotiate rates and loan terms (for both new and renewal loans) in a competitive and price sensitive environment.
• Cross-sells other bank services to customers i.e., retail deposits and cash management services.
• Analyzes customer credit applications; balance sheets and profit and loss statement; and cash flow projections to make sound loan decisions and predict future repayment capacity. Coordinates these efforts with personnel in the Credit Administration Department. Make recommendations to loan committee on new and renewal loans.
• Participates as a member of various Bank committees as assigned.
• Participate in professional associations.
• Completed required training associated with job function.
• Performs related duties as assigned.

Education/Experience:

• Bachelors degree in Finance or Business Administration or the equivalent of three plus years of specialized training in commercial and/or consumer lending and overall bank management

Skills:

• Thorough knowledge of Companys products and services
• High level of analytical skills to conduct loan analysis and maintain loan quality in consideration of market trends, credit/interest rates, economic conditions, and other factors.
• High level of interpersonal skills to interact with customers and potential customers in a professional manner.
• Adequate knowledge of both internal policies and procedures and the respective state and federal laws and regulations governing departmental functions to ensure performance of individual job duties within the proper control environment.