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The Bennington State Bank · 1 month ago

Commercial and Ag Loan Officer, Salina KS

Salina, KS

Full-time

Onsite

Senior Level

5+ years exp

The Bennington State Bank is a company that values integrity, dependability, and service. The Commercial and Ag Loan Officer will be responsible for developing and managing relationships within the Commercial and Ag Lending portfolio, while performing various other functions as assigned by the Market President.

BankingFinancial Services

Responsibilities

Identifying and developing new loan and deposit relationships

Interviewing clients and prospects seeking commercial and ag loans

Collecting and analyzing financial and related data to determine general credit worthiness

Structuring loan terms and conditions that meet the client’s needs and the Bank’s lending guidelines

Managing a loan portfolio for adherence to loan terms and conditions including but limited to the timely receipt of required financial information, compliance and annual reviews

Reviewing documentation and working with Bank personnel to ensure loan documentation is prepared in accordance with loan approval

Monitoring loan repayment activities and taking necessary action to collect from past-due accounts

Maintains a thorough knowledge of the features and benefits of all Bank products and services and promotes Bank products that may meet clients’ needs

Assists in the preparation of Loan Approvals with Credit Management team

Works with internal business partners to identify and recommend additional Bank products and services to existing and prospective clients

Updates job knowledge by participating in educational opportunities; reading professional publications, maintaining personal networks; participating in professional organizations

Coordinates specific work tasks with other personnel within the department and other departments to ensure the smooth and efficient flow of information

Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the Bank’s compliance with all regulatory requirements, such as, Bank Secrecy Act (BSA) Community Reinvestment Act (CRA), Equal Credit Opportunity Act

Qualification

Financial analysisClient relationship managementCommercial lendingSalesNegotiationAnalytical skillsRisk managementInterpersonal skillsCommunication

Required

Results-driven professional with a strong blend of analytical, interpersonal, and technical expertise

Competent in financial analysis, sales, communication, and negotiation

Adept at building and maintaining client relationships, managing multiple priorities under pressure, and accurately assessing credit risk to drive new business growth and profitability for the bank

Maintains a thorough knowledge of the features and benefits of all Bank products and services and promotes Bank products that may meet clients' needs

Assists in the preparation of Loan Approvals with Credit Management team

Works with internal business partners to identify and recommend additional Bank products and services to existing and prospective clients

Updates job knowledge by participating in educational opportunities; reading professional publications, maintaining personal networks; participating in professional organizations

Coordinates specific work tasks with other personnel within the department and other departments to ensure the smooth and efficient flow of information

Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the Bank's compliance with all regulatory requirements, such as, Bank Secrecy Act (BSA) Community Reinvestment Act (CRA), Equal Credit Opportunity Act

A degree in a related field of study preferred; specialized financial analysis training or related training

A minimum of five (5) years' experience in related positions is preferred