Consumer Loan Officer jobs in Idaho Falls, ID

Description

Summary: As a Loan Officer of The Bank of Commerce, you are responsible for business development and establishing new relationships. It is expected that you will increase the bank’s loan and deposit balances by developing relationships which run parallel to bank goals. An integral part of your job function is to assess a borrower’s creditworthiness for potential loan transactions through detailed analysis of a borrower’s financial position. As part of this process, you will accept loan applications, collect the proper financial data, underwrite potential credits, make credit decisions, and close and service loan transactions.

Essential Duties and Responsibilities:

• Reviews input from credit analysts and can independently make sound credit decisions within the parameters of bank policy.
• May be asked to assist with underwriting or other specialized projects under the direction of upper level Loan Officers or Chief Credit Officer.
• Reviews recommendations from Senior Loan Review, or other senior lenders and will present loan requests to Executive Loan Committee when asked.
• Has an organized sales and marketing plan that generates new business contacts and opportunities.
• Meets directly with customers to discuss credit needs and develop professional relationships.
• Has developed and maintained a target loan portfolio balance between $3 million to $12 million.
• May be expected to have operational supervision over other employees.

Qualifications

Competencies: To perform the job successfully, an individual should demonstrate the following competencies:

1. Interpersonal Skills - Focuses on solving conflict, not blaming; Maintains confidentiality; Listens to others without interrupting; Keeps emotions under control; Remains open to others' ideas and tries new things.
2. Technical Skills Assesses own strengths and weaknesses; pursues training and development opportunities; strives to continuously build knowledge and skills; shares expertise with others.
3. Oral Communication - Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions. Demonstrates group presentation skills.
4. Written Communication - Writes clearly and informatively; Able to read and interpret written information.
5. Ethics - Treats people with respect and consideration regardless of their status or position; Keeps commitments; inspires the trust of others; Works with integrity and ethically; Upholds organizational values.
6. Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; supports organization's goals and values; Benefits organization through outside activities; Supports affirmative action and respects diversity.
7. Professionalism Approaches others in a tactful manner; reacts well under pressure; accepts responsibility for own actions; follows through on commitments.
8. Dependability - Follows instructions, responds to management direction; Takes responsibility for own actions; Keeps commitments; Commits to long hours of work when necessary to reach goals. Completes tasks on time or notifies appropriate person with an alternate plan.

Qualifications: To perform this job successfully, an individual must be able to perform each essential duty 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 the essential functions.

Education and/or Experience: College degree in accounting or finance is preferred and/or equivalent work experience. Should have previous banking experience or five to seven years related work experience.

Language Skills: Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or government regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

Reasoning Ability: Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is occasionally required to stand and walk. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision.

Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually quiet.