Commercial and/or Ag Loan Officer

Bank Northwest is a community bank in Northwest Missouri with branches in Hamilton, Polo, Cameron, Stanberry and Bethany. We are focused on provided our customers with excellent service, while reinvesting in our local communities.

Work Locations: Bethany and Cameron, Missouri

Hours: 40 hours per week

Job Purpose: Responsible for the growth, quality, and credit administration of a commercial and/or ag loan portfolio.

Specific Job Functions, such as:

· Responsible for the monitoring of a loan portfolio that includes quality, performance, and the ongoing credit administration of loans within that portfolio.

· Responsible for initial collection efforts on assigned portfolio loans.

· Analyze the credit history of applicants and determine their loan repayment capabilities.

· Negotiate credit terms, such as costs, loan repayment methods and collateral specifications.

· Make recommendations for loan rates and approvals.

· Develop and maintain interest rate structure to be consistent with financial institution policies and procedures, and to be competitive with current market rates.

· Evaluate potential customer loan requests and make loan recommendations to management.

· Review new laws and regulations that influence business lending within the financial institution and make recommendations to management when necessary.

· Provide assistance to and recommend training for new commercial loan officers.

· Develop new customer prospects and business for the financial institution.

· Actively participate in an ongoing business development program by calling on prospective and existing clients to nurture ongoing relationships for lending and/or deposit services.

· Represent the bank in various community- and industry-related activities.

· Keep abreast of regulatory compliance and developments in the assigned area.

· Serves as a member of the Loan Committee

Qualifications:

· Bachelor’s degree in business, finance, or related field.

· Minimum two years, preferably five, of experience in a financial institution as a commercial and/or ag lender, underwriter or in credit administration.

· Excellent analytical skills, including the ability to define problems, collect data, establish facts, and draw valid conclusions.

· Strong financial analytical and underwriting skills.

· Extensive knowledge of financial institution policies and procedures.

· Extensive knowledge of lending services and related areas.

· Good managerial, communication, and sales skills.

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Health insurance
• Life insurance
• Paid time off
• Vision insurance

Job Type: Full-time

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Health insurance
• Life insurance
• Paid time off
• Vision insurance

Schedule:

• 8 hour shift
• Monday to Friday

Work Location: In person