Senior Commercial Loan Officer

Job Description

The responsibilities described align with the role of a commercial and agricultural loan officer. This position is responsible for receiving, reviewing, and evaluating commercial and agricultural loan requests, meeting with applicants to explain credit policies and obtain necessary documentation, and ensuring all required information (such as IRS transcripts and court record searches) is collected and verified prior to approval. The officer monitors and reviews construction and development loans, including conducting collateral and on-site inspections for agricultural credits, especially for larger or higher-risk loans. They also assist with collections activities as needed.

The role requires prompt and professional service to borrowers and prospective borrowers, providing general bank information, and cross-selling bank services. The officer supports commercial lending personnel as needed and is responsible for business development and marketing to both existing and prospective accounts. Additional duties include assigning NAICS codes to loans, ensuring compliance with loan policy and regulatory requirements, and maintaining proper documentation and loan grading standards. The officer is also expected to participate in community outreach and maintain strong relationships within the bank’s agricultural and commercial markets.

Qualifications

• High school diploma or GED required
• Bachelor's Degree in Business, Finance, or related field preferred
• At least eight years of commercial lending experience required
• Active license number with the Nationwide Mortgage Licensing System and Registry or the ability to obtain such
• Understanding of financial analysis and determination of credit worthiness required
• Knowledge of Bank lending and collections programs, policies, and procedures required
• Familiarity with property management and maintenance procedures preferred
• Proven track record of community/civic/trade organization involvement and business development
• Strong interviewing skills
• Excellent written and verbal communication skills
• Strong analytical skills
• Able to use financial calculator and related computer applications and business machines
  
  

Responsibilities

ESSENTIAL FUNCTIONS AND BASIC DUTIES

• Conducts interviews, takes applications, and processes preliminary documentation for commercial, agricultural, and consumer loan requests.
• Discusses loan alternatives, credit criteria, interest rates, and loan documentation to encourage positive customer engagement.
• Analyzes and evaluates loan requests; approves loans within specified limits.
• Prepares written submissions for Senior Lender, Regional Credit Officer, or Senior Loan Committee when requests exceed individual limits.
• Identifies and resolves problems or potential issues with credit information by coordinating with necessary parties.
• Assists in the review of construction loan advances on commercial properties.
• Conduct property inspections as assigned.
• Reviews loan reports to identify maturing or matured loans; proactively completes renewal paperwork or processes declines.
• Meets with agricultural borrowers and prepares budget projections in accordance with established Bank guidelines.
• Reconciles agriculture draw requests and payments to approved budgets monthly; prepares and submits variance reports to Credit Administration as appropriate.
• Performs agricultural inspections or accompanies agricultural inspectors on inspections according to policy guidelines.
• Assists in the collection of delinquent accounts.
• Complete all lending functions in accordance with established Bank policies and legal requirements.
  
  

Assumes responsibility for establishing and maintaining effective and professional business relations with customers and trade professionals.

• Answers customer and trade professional questions and resolves requests promptly and professionally.
• Keeps borrowers informed of bank loan policies and services; educates customers about bank products and services to help meet their financial needs.
• Meets with applicants whose loans are denied explaining reasons and discussing alternatives.
• Always maintain and projects the Bank’s professional reputation.
  
  

Assumes responsibility for establishing and maintaining effective communication, coordination, and working relations with Bank personnel and with management.

• Provides leadership through effective communication and mentoring of junior commercial loan officers and support staff.
• Coordinates functions with related departments and branches, providing support as needed.
• Assists other Commercial Lending personnel and provides support as needed.
• May directly or indirectly supervise loan personnel and/or lending assistants, ensuring high quality work and operational efficiency; may assign, direct, coordinate, and review tasks.
• Ensures lending personnel and support staff are effective and optimally utilized.
• Keeps management informed of area activities and any significant problems.
• Attends and participates in meetings and committees as required.
• Completes required reports and records.
• Attends assigned training sessions and stays current on new procedures and policies
  
  

Company Description

D.L. Evans Bank is a community bank and has been since 1904. For many years, we have provided premier banking services to the residents of Southern Idaho and Northern Utah while fostering a working environment for our employees dedicated to teamwork and excellent customer service. If you are a dynamic and customer-driven individual, whether an experienced banker or just beginning your career, we encourage you to continue with this applicant friendly, online job application!

D.L. Evans Bank is an Equal Opportunity Employer (EOE/AA/W/M/Vets/Disabled). VEVRAA Federal Contractor.

Benefits

• Medical Insurance
• Dental Insurance
• Vision Insurance
• FSA
• 401(k)
• Employee Stock Ownership Plan
• Paid Vacation
• Sick Time
• Life Insurance
• Long-term Disability Insurance