Careers

Summary

This position is responsible for developing and maintaining loans primarily to customers for commercial, small business, professional, construction, and commercial real estate purposes. It involves calling upon potential or existing customers to acquire new loans, maintain current banking relationships, and promote business development. This position will also complete additional branch lending functions for agriculture, installment, and real estate loans as needed.

Responsibilities

• Interviews loan applicants to develop financial needs and determines financial credit worthiness.
• Gathers pertinent financial data, prepares a thorough credit analysis, loan presentation, and determines the acceptable risk and structure of the loan that comply with the Bank’s underwriting standards.
• Grants loans within lending authority and makes recommendations to the loan committee on loans above their lending authority.
• Closes loans, assuring conformity with all regulations and proper documentation.
• Ensure that the customers total financial service needs are identified and met and that customer relationships are strengthened through the consistent delivery of quality customer service.
• Contacts delinquent customers to collect on past due loans.
• Work with Branch personnel in the expansion and promotion of bank products and services to existing and new or prospective deposit and lending customers.
• Represents the bank in various civic and community organizations to further enhance its image and develop additional business both during and after bank office hours.
• Additional related duties may be assigned.
• Accountable for complying with all Bank Secrecy Act and Anti Money Laundering regulations, bank policies and procedures.

Skills

• Strong customer service skills and enjoys working with the public
• Self-directed and growth oriented. Takes initiative and uses good judgment in making appropriate decisions
• Ability to analyze credit factors, including various financial statements and tax returns
• Ability to sell additional FNB products and services to clients

Qualifications

• Bachelor Degree in Business, Banking, Finance, or related field
• Minimum 2-3 years of banking experience with emphasis in commercial lending
• Appropriate lending licenses, as required
• Valid Driver’s License
• Good communication and demonstrated managerial/supervisory experience required
• Additional lending experience including commercial, agricultural, installment, and real estate