Commercial Loan Officer

At Mid-Missouri Bank, we believe great work starts with great people.  We’ve built a culture where collaboration, innovation, and a little fun go hand in hand and were giving back to our community is part of who we are.

Why You’ll Love Working Here

• A People-First Culture: We value respect, inclusion, and teamwork. You’ll be supported, heard, and encouraged to bring your authentic self to work every day.
• Community Involvement: From volunteer time to local partnerships, we’re proud to invest our time and talents into the communities where we live and work.
• A Fun Place to Work: Whether it’s team lunches, celebrations, friendly competitions, or casual dress days, we believe enjoying your workplace matters.
• Growth Opportunities: We’re committed to your professional development through training, mentorship, and clear paths for advancement. As we grow, you grow

Loan Officers are responsible for developing new business, structuring, underwriting, pricing and documentation of loans, as well as maintaining and servicing an existing portfolio. The position represents the bank in the local community through active participation in community affairs and participates in marketing all of the banks products and services.

Essential Duties

• Represent MMB in a courteous and professional manner, provide an extraordinary customer experience through a relationship driven, consultive sales approach.
• Knowledge of MMBs products and services and ability to recommend and train/educate customers on solutions that fit their need.
• Monitor and existing loan portfolio to ensure proper risk ratings and early identification of potential problems.
• Maximize bank profitability through appropriate pricing of new loan originations, fee income and selling of all bank products and services.
• Negotiate terms, structure loan financing based on risk considerations and present credits for approval to appropriate levels of authority with the bank as required.
• Support the banks strong relationship banking culture through on-going customer contact, quality customer service and superior product knowledge.
• Prepare required disclosure information within designated timeframes.
• Work closely with other departments to facilitate the creating of financial write-up.
• Comply with all Bank policies/procedures, and all applicable federal and state laws and regulations.
• Actively participate in business community activities for referral networking.
• Assist with mentoring and coaching junior officers and loan assistants.
• Performs other duties as required.

Knowledge, Skills, and Abilities

• Strong oral and written communication skills
• Thorough understanding of the company's policies, procedures, systems, and objectives.
• Excellent interpersonal and negotiation skills.
• Excellent organizational skills and attention to detail.
• Strong analytical and problem-solving skills with a proven ability to exercise initiative, judgment, and discretion.
• Ability to function well in a high-paced and at times stressful environment.
• Proficient with Microsoft Office Suite or related software.

Education and Experience

• Bachelors degree in finance, business or economics.
• Formal credit training.
• Minimum of three years of lending experience.

Physical Requirements

• Prolonged periods of sitting at a desk and working on a computer.
• Must be able to lift 15 pounds at times.
• Able to travel as needed.