Lending Officer conducts lending activities for an assigned market or geographic area. Develops a pipeline of customers through referrals, inquiries, and outreach. Being a Lending Officer performs a due diligence review of potential borrowers, including a risk and financial analysis. Structures loan proposals, prepares credit memos, and presents to loan committee for approval. Additionally, Lending Officer may manage a portfolio of existing loans, including reviewing financial reporting, monitoring compliance with loan terms, and handling loan modifications or workouts. Ensures adherence to regulations, bank credit policies, and procedures. Typically requires a bachelor's degree. Typically reports to a manager. The Lending Officer work is closely managed. Works on projects/matters of limited complexity in a support role. To be a Lending Officer typically requires 0-2 years of related experience. (Copyright 2024 Salary.com)
ABOUT US
ICB is a community-focused financial institution dedicated to empowering our local economy by providing personalized financial solutions. Our mission is to build lasting relationships with individuals and businesses in our community, offering a range of banking services designed to help them achieve their financial goals. As part of our commitment to the community, we are seeking a Lending Officer to join our team and contribute to our vision of fostering economic growth and stability.
POSITION SUMMARY
The Community Bank Lending Officer is responsible for evaluating, authorizing, or recommending approval of commercial, real estate, and personal loans. The role involves working closely with clients to understand their financial needs and providing tailored lending solutions that align with the bank's lending policies and risk management strategies. The ideal candidate will have a strong background in finance or banking, excellent customer service skills, and a deep commitment to the community we serve.
KEY RESPONSIBILITIES
QUALIFICATIONS
The Company is an Equal Opportunity Employer, drug-free workplace, and complies with ADA regulations as applicable. All applicants are considered for all positions without regard to race, religion, color, sex, gender, sexual orientation, pregnancy, age, national origin, ancestry, physical/mental disability, medical condition, military/veteran status, genetic information, marital status, ethnicity, alienage or any other protected classification, in accordance with applicable federal, state, and local laws. By applying for this position, you are seeking to join a team of hardworking professionals dedicated to consistently delivering outstanding service to our customers and contributing to the financial success of the organization, its clients, and its employees. Equal access to programs, services, and employment is available to all qualified persons. Those applicants requiring accommodation to complete the application and/or interview process should contact a management representative.
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