First Mid · 11 hours ago
Commercial Loan Officer III
O'Fallon, MO
Full-time
Onsite
Senior Level
5+ years expFirst Mid is a financial services company that is seeking a Commercial Loan Officer III. The role involves developing and managing agricultural, SBA, commercial, and commercial real estate loans while ensuring asset quality and building customer relationships.
BankingFinanceFinancial ServicesInsurancePersonal FinanceWealth Management
Responsibilities
Ensures the asset quality of the assigned loan portfolio. Reviews delinquency reports with direct supervisor to ensure proper collection efforts are being utilized to manage the credit risk of the portfolio. Maintains low loan delinquency and ensures that there are no administrative past due loans. Communicates timely and in a comprehensive manner with their supervisor concerning any credit that is experiencing stress
Manages, supervises, and grows individual loan and commercial deposit portfolios. Develops and maintains existing customer base and builds customer satisfaction and confidence in the Bank. Works effectively with personnel in the Credit Administration Department
Solicits new customers and negotiating rate and loan terms (for both new and renewal loans) in a competitive and price sensitive environment
Cross-sells other bank services to customers i.e. retail deposits, cash management, retail lending and wealth management services
Working with a predetermined lending limit, analyzes customer credit applications; balance sheets and profit and loss statement; and cash flow projections in order to make sound loan decisions and predict future repayment capacity. Coordinates these efforts with personnel in the Credit Administration Department. Make recommendations to loan committee on new and renewal loans for amounts above lending limit
Participates as a member of various Bank committees as assigned
Represents the Bank and provide leadership in key community activities and committees. Participate in professional associations; attend conventions, conferences and seminars
Completed required training associated with job function
Performs related duties as assigned
Qualification
Required
Bachelor's degree in Finance or Business Administration or the equivalent of specialized training in commercial and/or consumer lending and overall bank management
5+ years of experience in commercial lending with relevant knowledge of CRE and C&I lending
Thorough knowledge of Company's products and services
High level of analytical skills to conduct loan analysis and maintain loan's progress in consideration of market trends, credit/interest rates, economic conditions and other factors
High level of interpersonal skills to interact with customers and potential customers in a professional manner
Adequate knowledge of both internal policies and procedures and the respective state and federal laws and regulations governing departmental functions to ensure performance of individual job duties within the proper control environment
Benefits
Competitive health, dental & vision coverage with HSA match
401(k) with employer match + Employee Stock Purchase Plan
Generous PTO, paid holidays & parental leave
Tuition reimbursement & performance-based bonuses
Company
First Mid
First Mid Bancshares, Inc. is a community-focused organization headquartered in Mattoon, Illinois.
501-1000 employees
Funding
Current Stage
Late StageTotal Funding
$1.11M2021-05-10Undisclosed· $1.11M
Leadership Team
CLAY M. DEAN
CEO First Mid Insurance Group
Joseph Dively
Chairman and CEO
Recent News
2026-01-03
First Mid Bancshares, Inc.
2025-10-31
First Mid Bancshares, Inc.
2025-10-31
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