What are the responsibilities and job description for the Commercial Loan Officer position at Crossroads Bank?
Key Responsibilities:
.Business Development & Community Engagement:
- Proactively identify and pursue new loan and deposit opportunities through regular calling on prospective and existing agricultural and commercial clients.
- Develop and execute a structured calling plan to build a strong pipeline of qualified prospects.
- Represent the bank at local agricultural events, business gatherings, and community activities.
- Build partnerships with centers of influence such as accountants, attorneys, farm advisors, and real estate professionals to generate referrals.
- Promote the bank’s commitment to community development and support for local industry.
Loan Origination and Servicing:
- Analyze financial statements, credit history, collateral, and other relevant data to assess creditworthiness.
- Structure, underwrite, and present loan requests for approval in accordance with bank policy and regulatory guidelines.
- Monitor existing loan relationships, including managing delinquent accounts, annual reviews, renewals, and risk assessments.
Client Relationship Management:
- Build and maintain strong, trust-based relationships with agricultural producers, business owners, and community leaders.
- Conduct regular client meetings and on-site visits to understand operational needs, financial goals, and evolving challenges.
- Act as a trusted advisor and problem-solver, offering strategic advice and tailored solutions.
- Serve as a liaison between lending and other departments to ensure alignment on client strategy and service delivery.
Internal Collaboration:
- Coordinate with credit analysts, loan operations, and management to ensure timely and accurate loan processing.
- Participate in loan committee meetings (as needed) and contribute to lending decisions with sound judgment.
- Serve as a resource to other departments on agricultural and commercial lending matters.
- Identify and recommend appropriate bank products and services, such as treasury management, business & personal deposit accounts, merchant services, and retail/residential financing.
- Partner with all areas/departments of the bank and leverage internal tools and customer insights to deliver comprehensive financial solutions.
Why Join Crossroads Bank?
At Crossroads Bank, we believe in personal relationships, local decision-making, and helping our communities thrive. As a valued team member, you’ll enjoy a collaborative workplace, opportunities for professional growth, and the chance to make a direct impact on the success of our agricultural and business customers.