What are the responsibilities and job description for the Commercial Loan Officer, VP position at Field & Main Bank?
Commercial Loan Officer, VP
DEPARTMENT: Loan Department
REPORTS TO: Regional President, Central KY
SUPERVISES: None
FLSA: Exempt STATUS: Full Time
EEO Classification: 4 Sales Workers
JOB GRADE: 9
HOURS: Regular full-time 40 hours
SUMMARY: Evaluate, authorize or recommend approval of consumer, commercial, and agricultural loans. Advise borrowers on their financial status and methods of payments. Maintain a position of trust and responsibility by keeping all customer and internal business confidential.
EDUCATION & EXPERIENCE:
- Bachelor’s degree in business, finance or related field preferred or equivalent experience
- Minimum of two years’ work-related experience
- Demonstrated capability of producing and increasing bank customer business or experience managing a customer portfolio
- Experience with Jack Henry, CRM software, or financial planning software preferred, but not necessary.
- Proficient with Excel, Word, and PowerPoint
- Must be in good standing under “The Secure and Fair Enforcement for Mortgage Licensing Act of 2008” (Safe Act) and must be registered/licensed with the Nationwide Mortgage Licensing System and Registry”; or must be able to be registered under the Safe Act
- Possesses knowledge and understanding of Field & Main products, credit process, and pricing philosophy
- Ability to generate ideas, identify and drive the development of new business
- Demonstrates strong selling and negotiation skills
- Demonstrates strong verbal and written communication skills
ESSENTIAL DUTIES & RESPONSIBILITIES:
- Meets with applicants to obtain information for loan applications and to answer questions about the process.
- Oversee current Cynthiana loan portfolio of approx. $15 million.
- Analyzes applicant financial status, credit and property evaluations to determine feasibility of granting loans.
- Works with clients to identify their financial goals and to find ways of reaching those goals.
- Confers with management to aid in resolving application problems.
- Prepares or assists in the preparation of loan for presentation to loan committees.
- Develops and maintains strong client relationships with clients and colleagues.
- Proactively prospects for new business and looks for cross-sell opportunities.
- Assists customers with questions or problems.
- Ensures conformity with regulatory and bank policies and procedures.
- Works with delinquent accounts to bring them current.
- Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- Perform other duties as assigned.
COMPETENCIES: To be successful in this position, an individual should possess and demonstrate the following competencies to perform the essential functions of this position.
- Computer Skills - Strong working knowledge of computer functions. Ability to learn new technical skills and commitment to pursuing continuing education opportunities to advance technical skills
- Initiative – Ability to determine a correct course of action based on knowledge, policies, and sound judgment. Takes proactive steps to accomplish sales and tasks without specific direction. Seeks out and takes responsibility for additional work assessments. Ability to consistently make correct decisions based on sound judgment, job knowledge, job experience, and job training. Willingness to take responsibility for decisions. Keeps supervisor informed of decision and reason and base for the decision.
- Follow-Up – Completes assignments and tasks willingly, promptly, and efficiently. Responds with a sense of urgency to requests from customers, co-workers, and/or supervisor. Keeps supervisor informed of status of completed tasks.
- Communication Skills – Relates positively to customers, staff, co-workers, and supervisors. Consistently keeps staff and supervisor informed. Consistently demonstrates appropriate use of language expected in a professional work environment. Considerate and respectful of customers, staff, co-workers, and supervisors by tone, volume, and mannerism used in communicating. Expresses thoughts clearly and proficiently in written and oral form. Maintains confidentiality in all company, employee, and customer related matters.
- Interpersonal Relationship Skills – Works well with co-workers, conveying thoughts and actions in a positive manner. Supports, accepts, and understands management and company directives and works to help achieve individual, departmental, and company objectives and goals with positive behavior. Consistently displays a willingness to cooperate. Receptive to suggestions for improvement. Strong sense of business propriety and decorum. Interacts and communicates with individuals at all levels of the organization. Dependable, consistently at work and on time, follows instructions, responds to management directions, and solicits feedback to improve performance.
- Time-Management – Consistently displays a sense of urgency in completing tasks and servicing customer’s needs. Maintains accuracy and quality of work as quantity of work increases. Organizes, prioritizes, and plans work activities and use of time efficiently. Effectively prioritizes duties and develops a system that triggers action in own workflow. Possesses ability to realize urgent nature of tasks assigned. Effectively uses the proper resources to maintain an organized, neat, and efficient work environment necessary for completion of duties in a timely manner. Demonstrates accuracy and thoroughness and monitors own work to ensure quality and quantity of work. Takes time to verify work and promptly correct errors. Maintains all the required and appropriate records necessary in the job.
- Adherence to Policies and Procedures – Understands the importance of adherence to policies in job related functions, employee, and bank issues. Maintains confidentiality of employee, customer, and bank information within and outside of the company. Actions and behaviors reflect positively on the company. Maintains highest level of honesty in handling customer, employee, and bank information.
ADA REQUIREMENTS: Work is performed in an office setting; one must be able to concentrate and perform work in an area that will likely result in the interruptions of one's duties. Work may require standing for long periods of time and to lift items weighing up to 25-70 lbs.
This job may not be all-inclusive. Employees are expected to perform other duties as assigned or directed by management. Job descriptions and duties may be modified when deemed appropriate by management.
REV. 02/04/2025 DG EOE/ Minorities/Women/Vets/Disabled
