Summary: This position is responsible for developing a loan portfolio as well as promoting the Bank and its other services available to potential customers. This position will evaluates and recommend approval of customer applications for consumer, commercial and agricultural loans, generate referrals and develop relationships with new and existing clients. This position will be responsible for helping to manage the portfolio of the branch and assist with credit analysis of new clients.

Essential Duties and Responsibilities include the following: (Other duties may be assigned)

• Adheres to Loan Policy and Procedures set forth by the bank.
• Gather pertinent information for loan application, interview applicant to determine loan requirements, and requests applicant credit reports, reference checks, and other information relevant to evaluating credit.
• Analyzes applicant financial status, credit, and asset evaluation to determine feasibility of granting loan.
• Compiles loan package and facilitates negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.
• Ensures loan agreements are complete and accurate according to establishment policy.
• Assures timely loan closing and funding activities.
• Identifies and analyzes potential loan markets to develop prospects for consumer loans.
• Advises loan manager of external factors that may affect establishment lending policies, such as new or revised legislation and regulations.
• Promotes and cross-sells other establishment products and services as appropriate to customer requirements.
• Develops credit summary information for use by lending officers or committees in making lending decisions on new, renewal, and extension loans.
• Reviews all pertinent credit and financial information, including reporting services, credit bureaus.
• Determines the need for more thorough investigation or additional information, and contacts appropriate sources for such information.
• Analyzes financial statements (historical, budget, and projected financials) and related materials.
• Prepares summary, presents facts, and offers opinions concerning credit worthiness and ability to service debt to loan officers or committees.
• Periodically reviews all credit, loan and collateral files to ensure that information is current and reports any difficulties to the loan officers. Monitors files to assure that up-to-date financial statements, accounts receivable, aging and other items are available for all credits requiring such information and reports to the interested party.
• Assist in other credit risk management functions such as loan review, construction loan monitoring, borrower base review, and other related items.