Citizens Alliance Bank · 8 hours ago
Loan Officer II
Sacred Heart, MN
Full-time
Onsite
Mid Level
3+ years expCitizens Alliance Bank is a community-focused financial institution seeking a Loan Officer II to manage an existing loan portfolio and develop new business. The role involves underwriting, structuring, and closing loans while ensuring compliance with bank policies and regulations.
BankingFinancial ServicesLending
Responsibilities
Demonstrate excellent written and verbal communication skills
Knowledge of the regulations governing consumer and 1–4 family lending practices
Innovative outlook to drive continual progress and retention
Process consumer loan transactions and aid on transaction inquiries
Analyze financial statements, cash flows, pay records and tax returns
Present credits and loans for approval to the appropriate authority as required
Be pro-active in obtaining new consumer and 1–4 family residential loan customers for the Bank
Demonstrate the ability to prioritize workload
Receive consumer and 1 – 4 family loan applications and approve or reject loan requests in accordance with loan policies and procedures
Obtain and maintain a working knowledge of regulatory requirements as they relate to safety and soundness, compliance, and operations
Develop referral networks, suggest alternate channels, and cross-sell products and services to accomplish the Bank’s goals
Service loan portfolio to ensure documentation requirements are met
Assist co-workers as needed
This position requires a valid Driver’s License
Demonstrate a strong commitment to customers and the Bank
All employees are expected to exemplify and follow our core values
Regular attendance and punctuality when reporting to work
Travel for trade and industry schools and seminars as needed
This position may require installation of a Multi-Factor Authentication (MFA) app on an employee’s personal mobile device. THE MFA apps are used to authenticate a user’s identity to the system for security purposes
Adhere to and comply with all applicable, federal, and state laws, regulations, and guidance, including those related to BSA/AML, as well as adhere to the Bank’s policies and procedures
Perform other duties as assigned and requested
Qualification
Required
High School diploma or GED
Continuing Education to maintain job knowledge
Three To Five Years Of Banking Experience
Demonstrate excellent written and verbal communication skills
Knowledge of the regulations governing consumer and 1–4 family lending practices
Innovative outlook to drive continual progress and retention
Process consumer loan transactions and aid on transaction inquiries
Analyze financial statements, cash flows, pay records and tax returns
Present credits and loans for approval to the appropriate authority as required
Be pro-active in obtaining new consumer and 1–4 family residential loan customers for the Bank
Demonstrate the ability to prioritize workload
Receive consumer and 1 – 4 family loan applications and approve or reject loan requests in accordance with loan policies and procedures
Obtain and maintain a working knowledge of regulatory requirements as they relate to safety and soundness, compliance, and operations
Develop referral networks, suggest alternate channels, and cross-sell products and services to accomplish the Bank's goals
Service loan portfolio to ensure documentation requirements are met
Assist co-workers as needed
This position requires a valid Driver's License
Demonstrate a strong commitment to customers and the Bank
All employees are expected to exemplify and follow our core values
Regular attendance and punctuality when reporting to work
Travel for trade and industry schools and seminars as needed
This position may require installation of a Multi-Factor Authentication (MFA) app on an employee's personal mobile device
Adhere to and comply with all applicable, federal, and state laws, regulations, and guidance, including those related to BSA/AML, as well as adhere to the Bank's policies and procedures
Perform other duties as assigned and requested
Preferred
Three to Five years of customer service experience
Proficiency In Microsoft Suites
Company
Citizens Alliance Bank
Customer Driven. Community Focused. Agricultural, commercial and personal banking done locally.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
John T. Gill
President and COO ● Ag and Small Business Lending Specialist
Steven P. Condon, MS
Chief Credit Officer ● Ag and Small Business Lending
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