Apply on Employer Site

Peoples Bank and Trust · 2 months ago

Loan Officer (Full-Time - Exempt)

Wichita, Kansas, United States

Full-time

Onsite

Entry, Mid Level

2+ years exp

Peoples Bank and Trust is seeking a Loan Officer to work directly with clients to assess their qualifications for loan services. The role involves evaluating lending applications, preparing loan documentation, and providing recommendations for various loan products.

BankingFinanceFinancial Services

Responsibilities

Evaluate application data to advise potential borrowers on the bank’s commercial, agricultural or consumer loan products best suited for their needs and the needs of their business

Assist customers with completion of initial lending applications; review submitted applications for accuracy and completion and request additional information or detail as needed

Verifies information and financial history provided; acquires borrowers’ credit reports from major credit reporting bureau(s)

Examines application and creditworthiness of potential borrower; determines or makes recommendations regarding approval or denial/modification of requested loan

Approves or, when outside pre-approved lending limits, refers loans to management for analysis and approval

Ensures loan agreements are completed according to policy; calculates and explains payment schedules

Explains different lending and credit options and bank products to potential and current clients

Maintains credit and lending records and files

Maintains a robust referral network among the local banking community, with builders, real estate agents, and other related businesses

Various other responsibilities as assigned by supervisor

Qualification

Loan services knowledgeBusiness finance principlesBanking experienceCustomer relationship-buildingComputer literacyAttention to detailCommunication skillsProblem-solving

Required

High School Diploma or equivalent required

Full knowledge of loan services offered by Peoples Bank and Trust

Understanding of all PBT policies and procedures related to loan services provided

Functional understanding of reports required to maintain and track outstanding loans

Sound understanding of business finance principles and advisement

Attention to detail

Strong written and verbal communication skills

Self-motivation

Self-management

Ability to consistently follow through on tasks

Problem-solving

Organized

Analytical

Interpersonal

Sound independent judgment

Time management

Customer relationship-building

Computer literacy

Strong ability to multi-task

Ability to speak effectively and communicate clearly

Ability to hear average conversations at a standard level in an office environment around other customers and bank personnel

The employee is regularly required to type throughout the day

The employee is regularly required to use hands to type and maneuver a mouse

Specific vision abilities required by this job include close vision, color vision, peripheral vision, depth perception and ability to adjust focus with 20/20 vision (with or without the assistance of eyeglasses/contacts)

The employee must occasionally lift and/or move up to 20 pounds (unassisted) as well as stand, sit, bend, kneel, squat and walk for long periods of time

Ability to deal with a variety of variables under only limited standardization

Strong numeric capabilities; Ability to add, subtract, multiply and divide in all units of measure using whole numbers and common fractions

Ability to read, analyze, and interpret documents

Ability to communicate clearly