American Bank of Freedom
Commercial Loan Officer
American Bank of Freedom, Montgomery City, Missouri, United States, 63361
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Commercial Loan Officer
role at
American Bank of Freedom
in Montgomery County, Missouri branches. Develops, manages, and grows commercial and/or commercial real estate loans that meet established lending criteria and provide maximum profitability to the Bank at minimum risk. Develops and increases commercial and retail deposit accounts. Responsibilities
Develop new and maintain existing customer base and build customer satisfaction and confidence in the Bank Emphasis on CRA eligible lending in the assessment area Manage the asset quality of the assigned loan portfolio Review delinquency reports to ensure proper collection efforts are being utilized to manage credit risk Communicate timely and comprehensively with supervisor concerning any credit that is experiencing stress Manage, supervise, and grow individual and commercial loan portfolios Represent the Bank and provide leadership in key community activities and committees Work effectively with personnel in the Credit Administration Department Solicit new customers and negotiate rates and loan terms for both new and renewal loans in a competitive environment Cross-sell other bank services to customers (e.g., retail deposits and cash management) Analyze customer credit applications, balance sheets, profit and loss statements, and cash flow projections to make sound loan decisions and predict repayment capacity; coordinate with Credit Administration; make recommendations to loan committee on new and renewal loans Participate as a member of various Bank committees as assigned Participate in professional associations Complete required training associated with the job function Performs related duties as assigned Education/Experience
Bachelor’s degree in Finance or Business Administration or the equivalent of three plus years of specialized training in commercial and/or consumer lending and overall bank management Skills
Thorough knowledge of the Bank’s products and services High level of analytical skills to conduct loan analysis and maintain loan quality 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 internal policies and procedures and the state and federal laws and regulations governing departmental functions to ensure proper control environment Details
Seniority level: Mid-Senior level Employment type: Full-time Job function: Finance and Sales Industries: Banking
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Commercial Loan Officer
role at
American Bank of Freedom
in Montgomery County, Missouri branches. Develops, manages, and grows commercial and/or commercial real estate loans that meet established lending criteria and provide maximum profitability to the Bank at minimum risk. Develops and increases commercial and retail deposit accounts. Responsibilities
Develop new and maintain existing customer base and build customer satisfaction and confidence in the Bank Emphasis on CRA eligible lending in the assessment area Manage the asset quality of the assigned loan portfolio Review delinquency reports to ensure proper collection efforts are being utilized to manage credit risk Communicate timely and comprehensively with supervisor concerning any credit that is experiencing stress Manage, supervise, and grow individual and commercial loan portfolios Represent the Bank and provide leadership in key community activities and committees Work effectively with personnel in the Credit Administration Department Solicit new customers and negotiate rates and loan terms for both new and renewal loans in a competitive environment Cross-sell other bank services to customers (e.g., retail deposits and cash management) Analyze customer credit applications, balance sheets, profit and loss statements, and cash flow projections to make sound loan decisions and predict repayment capacity; coordinate with Credit Administration; make recommendations to loan committee on new and renewal loans Participate as a member of various Bank committees as assigned Participate in professional associations Complete required training associated with the job function Performs related duties as assigned Education/Experience
Bachelor’s degree in Finance or Business Administration or the equivalent of three plus years of specialized training in commercial and/or consumer lending and overall bank management Skills
Thorough knowledge of the Bank’s products and services High level of analytical skills to conduct loan analysis and maintain loan quality 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 internal policies and procedures and the state and federal laws and regulations governing departmental functions to ensure proper control environment Details
Seniority level: Mid-Senior level Employment type: Full-time Job function: Finance and Sales Industries: Banking
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