Royal Banks of Missouri · 1 week ago
Commercial Loan Officer - Hannibal Area
Hannibal, MO
Full-time
Hybrid
Mid, Senior Level, Lead/Staff
8+ years expRoyal Banks of Missouri is seeking a Commercial Relationship Manager to originate, analyze, close, and manage complex commercial relationships. The role involves generating new business, managing loan applications, and maintaining positive relationships with clients and organizations.
BankingCommunitiesFinancial ServicesFinTech
Responsibilities
Interview applicants and request specified information for loan application; request appraisals, applicant credit reports, background checks, reference checks, and other information pertinent to evaluation of loan application; analyze applicant financial status, credit, and property evaluation to determine feasibility of granting loan; and correspond with or interview applicants or creditors to resolve questions regarding application information
Compile loan packages and facilitate negotiation with applicants according to established standards, such as fees, loan repayment options, and other credit terms; make loan decisions or refer loan to Loan Committee for approval when appropriate; ensure loan agreements are complete and accurate according to policy; assure timely loan closing and funding activities
Identify business opportunities for commercial depository and treasury management services in conjunction with routine calling habits; obtain requested depository and/or analysis statements to analyze with the Treasury Management Officer
Utilize government programs when deemed necessary to meet customer's credit needs
Assist customers with inquiries and information requests and resolve complaints relating to loan products and services offered
Participate in the collection procedures and processes of the loan officers to assure the timely collection of all delinquent accounts and develop revised loan repayment terms or schedules as necessary
Establish and maintain positive working relationships with loan businesses and other organizations to provide information regarding the lending programs and policies
Participate in the Bank's business development activities, represent the Bank in industry and professional associations, community organizations, local business groups, etc., and promote the Bank's favorable image
Service cash management needs of non-borrowing customers
Maintain education and professional expertise through attendance at job related seminars, conferences and workshops
Qualification
Required
Bachelor's degree (B. A.) from four-year college or university in the field of business, including specific courses in accounting, finance, and economics plus additional lending-related experience; or eight to ten years related banking experience and/or training; or equivalent combination of education and experience
Ability to read, analyze, and interpret common scientific and technical journals, financial reports, and legal documents
Ability to respond to common inquiries or complaints from customers, regulatory agencies, or members of the business community
Ability to write speeches and articles for publication that conform to prescribed style and format
Ability to effectively present information to top management, public groups, and/or boards of directors
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume
Ability to apply concepts of basic algebra and geometry
Ability to define problems, collect data, establish facts, and draw valid conclusions
Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables
Must have the ability to operate the following equipment: telephone, 10-key calculator, personal computer and printer, copy machine, fax machine
Must have working knowledge of spreadsheet, word processing, presentation and database software
Valid driver's license
Company
Royal Banks of Missouri
Royal Banks of Missouri is a community bank based in Missouri.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
M
Mitch Baden
President and Chief Executive Officer
C
Cindy Thurman
Chief Credit Officer/Senior Vice President
Recent News
Seattle TechFlash
2025-03-27
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