Loan Officer III

Role:

The Loan Officer III provides services to customers and prospective customers seeking all types of loans, often dealing in relatively large loans. Types of loans serviced include a combination of any of the following: student, home equity, agricultural, as well as commercial, consumer, installment and mortgage. Operates with substantial credit authority under the guidance of the Branch President. Can serve in the capacity of Senior Loan committee and internal loan audit functions.

Essential Functions & Responsibilities:

• Takes applications for commercial/ag loan business. Reviews customer financial condition and assesses the customer's liability to re-pay the loan. Makes underwriting decisions within approval authority. Completes or directs completion of all loan documents and closes loans.
• Participates in developing lending and deposit business for the bank. Calls on clients to expand existing business; calls on prospects seeking opportunities to expand the bank's client base.
• Assists in collection of past due loans.
• Monitors existing loan portfolio to maintain a high-quality asset base. Maintains up-to-date client files including current balance sheets, profit & loss statements, cash flow projections and all loan documentation.
• May serve on loan committee.
• Promotes the bank and make referrals to other departments.
• Performs other job-related duties as assigned.

Performance Management:

• Ensure loan decisions are in compliance with all applicable Federal, State, and Lending regulations, policies and procedures.
• Troubleshoot and resolve customer and internal inquiries in a timely and accurate manner.
• Provide informed, professional, and accurate service and support to all customers and associates.