What are the responsibilities and job description for the Commercial Loan Officer position at First Mid-Illinois Bancshares?
Responsibilities include, but are not limited to :
- Ensures the asset quality of the assigned loan portfolio. Reviews delinquency reports with direct supervisor and direct reports to ensure proper collection efforts are being utilized to manage the credit risk of the portfolio.
- Supervises and manages direct reports. Provides direction and leadership to loan officers and support staff to ensure that asset quality, growth, and fee income goals are obtained.
- Manages individual loan portfolios. Develops and maintains existing customer base and builds customer satisfaction and confidence in the Bank. Cross-sells bank product and services in a professional manner.
- Working with a predetermined lending limit, analyzes customer credit applications, balance sheet, profit and loss statement; and cash flow projections in order to make sound loan decisions and predict future repayment capacity. Makes recommendations to the loan committee on new and renewal loans for amounts above lending limits. Ensures that comprehensive and timely information is collected from loan customers. Coordinates these efforts with personnel in the Credit Analysis Department.
- Communicates with appropriate supervisory personnel and / or Regional President on regular basis on loan issues and community activities. Responsible for reporting all operational and lending issues that deviate from established policies and procedures to their supervisor.
- Works closely with the retail deposit staff to promote community wide performance and service delivery.
- Represents the Bank and provide leadership in key community activities and committees.
- Participates in professional associations, attend conventions, conferences and seminars.
- Completed required training associated with job function.
- Performs related duties as needed.
Qualifications Education / Experience :
Skills :
