Construction Loan Officer sources and structures construction loans. Performs a due diligence review of potential borrowers, including risk and financial analysis. Being a Construction Loan Officer analyzes applicants' credit and financial status and obtains property appraisals to determine the feasibility of granting loans. Develops relationships with builders and developers to obtain referrals and future lending opportunities. Additionally, Construction Loan Officer structures construction loan terms and conditions according to policies. Approves loans within authorized limits or refers them to a loan committee for approval. May disburse loan proceeds at designated project mile. Requires a bachelor's degree. Typically reports to a manager. The Construction Loan Officer occasionally directed in several aspects of the work. Gaining exposure to some of the complex tasks within the job function. To be a Construction Loan Officer typically requires 2 -4 years of related experience. (Copyright 2024 Salary.com)
A Growth Opportunity with Citizen’s Alliance Bank!
Position Summary:
This position will be responsible for managing an existing loan portfolio, developing new business, underwriting, structuring, and closing loans in accordance with the Bank’s established policies and procedures. The Loan Officer must exercise sound judgment in the loan making process. This position will have extensive customer contact and will be responsible for all operational aspects for consumer, agricultural, or commercial loans. This position is responsible for abiding by and keeping up to date on the Bank’s lending policies, as well as State and Federal lending regulations.
The level of this position is based on years of service, education and/or equivalent experience, knowledge level and skill set.
Essential Functions:
To perform this job successfully, an individual must be able to perform each Essential Function and Skill satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.
Core Values
Humility - We are “blue-collar bankers”. We are relatable, down-to-earth people who greet our smallest customer the same way we greet our largest.
Respectful, Genuine Care for Others - We care about each other, we care about our customers, and we care about our communities.
Finds A Way - This simply put, is nothing more than attitude. It’s a can-do spirit, a desire to help, to contribute, to go above and beyond, and to make a difference.
Effort - We expect a lot of ourselves and hold ourselves to a high standard. We are not entitled, and we need to earn it from our customers and each other every day.
Owning-It - Owning-It or Accountability is a big word that can encompass a great many things. For Citizens Alliance Bank, it’s about ownership. When an employee says they will do something, they follow through and get it done.
Education and Experience:
Required - High School diploma or GED, etc.
Required - Continuing Education to maintain job knowledge.
Required - Three to Five years of banking experience.
Preferred - Three to Five years of customer service experience.
Preferred - Proficiency in Microsoft Suites.
The employer has the right to revise this position description at any time. The position description is not a contract for employment.
Citizens Alliance Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, age, religion, gender, sexual preference or orientation, gender identity, gender expression, national origin, disability, veteran status and all other protected classes.
Citizens Alliance Bank prides itself on its core values, which are humility, respect, genuine care for others, finds a way, effort, and owning it.
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