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This job was posted by https://www.arjoblink.arkansas.gov : For more information, please see: https://www.arjoblink.arkansas.gov/jobs/4223972

COMMERCIAL LOAN OFFICER

The Generations Bank Loan Officer is responsible forpromoting the Bank by building new relationships and maintaining excellent customer service while attaining established goals, through active participation in sales management and officer call programs.

What makes Generations Bank different?We prioritize a diverse and talented group of people who are encouraged to bring their full self to work. We are committed to a common goal, serving our community. Our four core values are more than words, they\'re at the heart of everything we do. We believe a team with a strong culture and unified purpose is better in the long run.

Core Values:

• Accountability: We believe our work commitments should be done fully, and lending a hand to fellow team members isn\'t optional.
• Relationships: We believe when we treat our team and customers with humility, dignity, and pride we reach our highest potential.
• Communication: We believe in proactively sharing ideas and information.
• Stewardship: We believe each team member should care for our assets and opportunities as if they were their own.

If you share a common vision in our culture and core values, we encourage you to apply.

What does a CommercialLoan Officerdo?The specific duties/responsibilities listed below are representative of the knowledge, skill, and/or ability to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

Engages in business development activities and solicitation of new business; actively involved in instilling and maintaining a positive sales environment through education of the Bank\'s products and services.

Interviews prospective applicants and requests specified information related to loan or credit application; corresponds or re-interviews applicants to resolve questions regarding application information.

Performs prequalification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.

Gathers and analyzes all information necessary to present a financing request to Senior Management or Loan Committee for approval; meets with existing or potential customers; visiting sites of loans; negotiates loan terms and conditions; approves loans within established lending limits or refers and recommends acceptance to the Chief Credit Officer or Loan Committee.

Coordinates processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements.

Ensures that credit inquires and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved.

Ensures that certification or deletion of collateral is made by the appropriate personnel.

Negotiates, underwrites, and processes renewals of credit facilities.

Approves loan payments, draws from lines of credit, and fund transfers within specified limits.

Authorizes commitment, engagement, auction and decline letters.

Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees.

Verifies funds with mortgage companies and contractors.

Develops and maintains knowledge of financial industry, economy, market conditions, rates, vendors, and competition.

Represents the Bank in various community, civic, and community reinvestment functions to further enhan e the Bank\'s image and develop additional business; assists the Bank in establishing and maintaining market position in the financing arena.

May review NSF and overdraft reports for customers assigned within his or her portfolio; approves or declines such exceptions within established lending limits.

Cross sells the Bank\'s other products and services, referring customers to appropriate staff as indicated.

Updates and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken.

Assists in meeting annual loan growth goals assigned by Executive Management; participates in various internal committees assigned by Executive Management.

Responds to inquiries or refers inquiries to the appropriate department or person and exhibits the necessary follow-through with customers and/or staff involved.

Consistently applies superior decision-making techniques pertaining to inquiries, approvals, and requests as they apply to existing policies and procedures, keeping within assigned approval limits and using these ins