Commercial/Consumer Loan Officer

Commercial/Consumer Loan Officer  

Prague, Oklahoma  

POSITION SUMMARY

The Commercial/Consumer Loan Officer is primarily responsible for making and servicing business and individual loans that involve significant amounts of both secured and unsecured loans which could be complex in nature. Handles both large and small credits.  

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following.  Other duties may be assigned.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Monitors and manages existing credit relationships which include note renewals; detailed analysis of current financial statements and collateral valuations; credit analysis; cash flow analysis; delinquency reporting; documenting exceptions; covenant monitoring; compiling reports necessary to monitor asset and credit quality; and compliance with policies/regulations.

Negotiates loan proposals; analyzes and evaluates credit requests and writes loan commitments; recommends appropriate credit grade; makes written loan memos/presentations for credit approval; and implements approval or declination action.

Develops new business through identifying and calling on existing or prospective customers; promotes and cross-sells Bank’s services; and works with Bank operation areas to ensure that quality service is provided.

Participates in community and professional activities in order to enhance Bank’s image and expand personal network of contacts for development of new business.

Assists with other job related duties and special projects as requested.

Regular and consistent attendance is an essential function of this position

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job.  Duties, responsibilities and activities may change at any time with or without notice.

REQUIREMENTS

Bachelor’s Degree required (Business major or Formal Credit training preferred)

OR

Minimum of 5 years of experience underwriting Commercial Loans as well as Consumer Loan experience 

Must have ability to analyze complex financial data and write detailed credit memorandums

Must have ability to grow quality portfolio with annual performance goals

Excellent communication skills with the ability to prepare and deliver persuasive verbal and written reports and presentations

Efficient computer skills including knowledge of word processing and spreadsheet applications

PHYSICAL REQUIREMENTS

Constant use of computer screens 

Ability to operate a computer keyboard

Intermittently standing, stooping, bending at the waist, walking, kneeling or crouching 

 Long periods of typing and repetitive motion

 Ability to lift and/or move and carry 10 pounds

LOCATION

902 W. Main 

Prague, OK  74864

HOURS

Full Time

Hometown service, statewide strength. BancFirst is committed to investing in the future of Oklahoma communities. BancFirst is a $13 billion bank offering personal and commercial products, trust, insurance, and investment services in sixty Oklahoma communities. Employees enjoy excellent benefits and a learning environment that allows them to continuously improve their skills to deliver highly personalized service to customers.
 EOE - BancFirst is an Equal Opportunity employer.

Diversity…Our differences enhance business performance.