COMMERCIAL LOAN OFFICER

at  High Country Bank

Position Description:
Job Title: Commercial Loan Officer
Department/Location: Commercial Loans/Buena Vista
Reports to: VP of Commercial Loans
FLSA Classification: Exempt
Salary Range: $65,000-$115,000 Annually
Effective Date: January 1, 2021
Job Summary: The Loan Officer will review loan applications to evaluate, authorize, and/or recommend the approval of commercial, credit, or consumer loans.
Supervisory Responsibilities: None

REQUIRED SKILLS/ABILITIES:

Excellent verbal and written communication skills.
Excellent interpersonal and customer service skills.
Excellent organizational skills and attention to detail.
Excellent time management skills with a proven ability to meet deadlines.
Strong analytical and problem-solving skills.
Computer skills
Drive to collateral inspections

COMPLIANCE REQUIREMENTS:

Ensure Compliance with all internal controls and established policies and procedures.

EDUCATION AND EXPERIENCE:

Bachelors degree in Accounting, Business or related field preferred; or accounting-related work
experience may be substituted for degree.
Bank financial institution accounting experience preferred.
Experience with computerized spreadsheet programs required.
Experience with an automated accounting software program is preferred.

PHYSICAL REQUIREMENTS:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Prolonged periods sitting at a desk and working on a computer.
Must be able to lift up to 15 pounds at times.
Must be able to travel at times.
Must be available outside of bank hours for special community events and networking

Assists potential borrowers with completion of initial loan applications; reviews submitted applications for accuracy and completion, requesting additional information or detail as needed.
Verifies information and financial history provided; acquires borrowers credit reports from major credit reporting bureau(s).
Submits application to credit analysts or, when appropriate, examines application and creditworthiness of potential borrower; determines or makes recommendations regarding approval or denial/modification of requested loan.
Approves or, when outside pre-approved lending limits, refers loans to management for analysis and approval.
Ensures loan agreements are completed according to policy; calculates and explains payment schedules.
Explains different lending and credit options and bank products to potential and current clients.
Maintains credit and lending records and files, including pipeline management and call logs.
Servicing existing loan portfolio, including but not limited to: extension requests, monitoring payment delinquency, processing construction draws, and pulling loan payments.
Maintains a robust referral network in the local banking community with builders, real estate agents, and other related businesses.
Performs other related duties as assigned.
Assist as needed with day to day bank activities including but not limited to: balancing the vault, cash sales & purchase, accepting cash orders, and opening activities.
Loan Presentations
Delinquencies/past dues, Classified Assets, REO maintain and liquidate
Site visits/collateral inspections
Community Service
Frequent communication with customers/applicants and affiliated parties such as realtors, title co etc.
Annual Reviews
Engage and analyze appraisals