Commercial Loan Officer

The FNB Community Bank, Greenville, IL

The FNB Community Bank is locally owned in Bond, Fayette, and Marion Counties. Established in 1865, we currently have 7 locations in the following communities: Vandalia, Patoka, Ramsey, Greenville, & Mulberry Grove. We have a Commercial Loan Officer position available for our Greenville location.

SUMMARY/OBJECTIVE

The FNB Community Bank is seeking a dedicated and detail-oriented Loan Officer to join our team. The ideal candidate will be responsible for evaluating, authorizing, and recommending approval of loan applications for businesses. The Commercial Loan Officer will work closely with customers to understand their financial needs and provide tailored loan solutions while ensuring compliance with bank policies and regulations.

KEY RESPONSIBILITIES:

• Evaluate, authorize, and recommend approval of loan applications for businesses
• Conduct thorough credit analyses and risk assessments to determine the creditworthiness of applicants
• Develop and maintain strong relationships with customers, providing exceptional service and support throughout the loan process
• Explain loan products, terms, and conditions to customers, ensuring they understand their options and obligations
• Collaborate with other departments, such as Credit Analysts and Loan Quality Control, to ensure accurate and efficient loan processing
• Monitor and manage loan portfolios, ensuring timely payments and addressing any issues or delinquencies
• Stay up to date with industry trends, regulations, and best practices to ensure compliance and enhance loan offerings
• Prepare and present reports on loan activities and performance to senior management
• Lending approval limit of $125,000
• Other duties as assigned

BENEFITS:

• Competitive salary and performance-based bonuses
• Comprehensive health, disability, and life insurance
• 401(k) retirement plan with employer match
• Paid time off and holidays
• Paid parental leave
• Professional membership opportunities

QUALIFICATIONS:

• Bachelor’s degree in finance, business administration, or a related field or commensurate experience
• 5-6 years of experience in loan processing, underwriting, or a related role preferred
• Strong understanding of federal, state, and local regulations related to loan administration
• Excellent analytical and problem-solving skills
• Exceptional communication and interpersonal skills
• Proficiency in loan processing software and Microsoft Office Suite
• Ability to work independently and as part of a team
• Strong attention to detail and organizational skills

WORK ENVIRONMENT

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets, and fax machines. Work will occasionally be done outside in all weather conditions.

WORK REQUIREMENTS

• High-quality customer service skills
• Excellent interpersonal skills
• Detail oriented
• Solid communication skills which include verbal, written, and listening skills
• Desire to expand product knowledge and procedural skills
• Ability to read and comprehend legal and regulatory material related to the job area

PHYSICAL DEMANDS

Language Skills:

• Ability to read, analyze, and interpret business and professional documents
• Proficient in writing reports, business correspondence, and procedure manuals
• Capable of effectively presenting information to various stakeholders

Mathematical Skills:

• Work with mathematical concepts such as probability, statistical inference, and geometry
• Apply mathematical concepts to practical situations using fractions, percentages, ratios, and proportions

Reasoning Ability:

• Solve practical problems with limited standardization
• Interpret various forms of instructions, whether written, oral, or diagrammatic

Other Skills and Abilities:

• Operate office equipment including telephones, copiers, fax machines, PCs, and printers
• Advanced proficiency in computer applications is required 

AAP/EEO STATEMENT

The FNB Community Bank is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, national origin, religion, sex, sexual orientation, gender identity, age, disability, protected veteran status, or any other characteristics protected by law.

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.

COMPENSATION

• Salary commensurate with the level of experience and abilities
• Salary range: $50,000 - $120,000/year

Salary : $50,000 - $120,000