Lending Officer jobs in Saint Louis, MO

Job Summary:

The Commercial Lending Officer is responsible for building and servicing a diversified commercial loan portfolio in their market.

Essential Functions and Responsibilities:

• Collect and analyze financial and related data to determine the general credit worthiness of applicants and the merits of specific loan requests.
• Determine if loan requests are viable and within Bank policy before proceeding.
• Establish and negotiate the terms under which credit will be extended, including the costs, repayment method and schedule, and collateral requirements.
• Conduct inspections of applicants’ business and/or collateral, review of interim financial reports, and personal interview.
• Monitor loan repayment activities and take necessary action to collect from delinquent commercial loan borrowers.
• Develop new business by contacting prospects and customers with a strong emphasis on cross-selling Bank services.
• Assist underwriting personnel in preparation of loan presentations to internal and holding company loan committees for evaluation.
• Participate in community affairs to increase the Bank’s visibility and to enhance new business opportunities.
• Maintain a thorough understanding of commercial loan documentation and lien perfection.
• Council and assist with the training and development of Commercial Loan Officers.
• Adhere to Bank policies and the various laws and regulations applicable to department operations.
• Exercise sound credit decisions in the commercial lending area.
• Facilitate difficult collections, transactions, computations, and servicing of credit of a complex nature.

Knowledge/Skills/Abilities:

• Ability to develop and maintain client relationships.
• Ability to coordinate service with other Bank employees to enhance Bank’s customer base.
• Ability to establish and maintain an aggressive customer calling program.
• Advanced knowledge of banking and commercial operations.
• Proven sales skills.
• Excellent verbal and written communication and interpersonal skills.

Education/Experience/Licenses/Certifications:

• Bachelor’s degree in business administration, finance, accounting, or marketing required.
• 5 years of commercial lending or commercial operations experience required.

Equipment/Software:

• Ability to operate general office equipment.
• Advanced knowledge of Microsoft Office products.

Physical Requirements:

The physical demands described are representative of those that must be met to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Work is performed mainly in an office setting. Hand-eye coordination is necessary to operate computers and various pieces of office equipment.