Loan Officer

Solicit, negotiate, underwrite, and coordinate the closing of major consumer, residential, equipment, commercial, and business loans in compliance with Bank policies. Interview applicants, analyze financial conditions and risk, and present financing requests to Senior Management or Loan Committee for approval. Process approved loans, obtain documentation, solve servicing problems, and approve disbursements within established limits. Negotiate credit facility renewals, authorize commitment letters, and manage loan payments and draws. Contribute to branch profitability by implementing cost controls, driving income generation, and monitoring expenses against budget. Provide leadership and training to less experienced staff while developing knowledge of market conditions and competition. Meet annual deposit and loan growth goals assigned by Senior Management.