Commercial Loan Officer

The Loan Officer will review loan applications to evaluate, authorize, and/or recommend the approval of commercial, credit, or consumer loans.

Supervisory Responsibilities None

Duties/Responsibilities

• Assists potential borrowers with completion of initial loan applications; reviews submitted applications for accuracy and completion, requesting additional information or detail as needed.
• Verifies information and financial history provided; acquires borrower’s credit reports from major credit reporting bureau(s).
• Submits application to credit analysts or, when appropriate, examines application and creditworthiness of potential borrower; determines or makes recommendations regarding approval or denial/modification of requested loan.
• Approves or, when outside pre-approved lending limits, refers loans to management for analysis and approval.
• Ensures loan agreements are completed according to policy; calculates and explains payment schedules.
• Explains different lending and credit options and bank products to potential and current clients.
• Maintains credit and lending records and files, including pipeline management and call logs.
• Servicing existing loan portfolio, including but not limited to extension requests, monitoring payment delinquency, processing construction draws, and pulling loan payments.
• Maintains a robust referral network in the local banking community with builders, real estate agents, and other related businesses.
• Performs other related duties as assigned.
• Assist as needed with day to day bank activities including but not limited to balancing the vault, cash sales & purchase, accepting cash orders, and opening activities.
• Loan Presentations
• Delinquencies/past dues, Classified Assets, REO – maintain and liquidate
• Site visits/collateral inspections
• Community Service
• Frequent communication with customers/applicants and affiliated parties such as realtors, title co etc.
• Annual Reviews
• Engage and analyze appraisals
  
  
  

Required Skills/Abilities

• Excellent verbal and written communication skills.
• Excellent interpersonal and customer service skills.
• Excellent organizational skills and attention to detail.
• Excellent time management skills with a proven ability to meet deadlines.
• Strong analytical and problem-solving skills.
• Computer skills
• Drive to collateral inspections
  
  
  

Compliance Requirements

• Ensure Compliance with all internal controls and established policies and procedures.
  
  
  

Education and Experience

• Bachelor’s degree in Accounting, Business or related field preferred; or accounting-related work experience may be substituted for degree.
• Bank financial institution accounting experience preferred.
• Experience with computerized spreadsheet programs required.
• Experience with an automated accounting software program is preferred.
  
  
  

Physical Requirements

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Prolonged periods sitting at a desk and working on a computer.
• Must be able to lift up to 15 pounds at times.
• Must be able to travel at times.
• Must be available outside of bank hours for special community events and networking
  
  
  

Qualifications Must meet FDIC standards and Bank requirements; must comply with all company policies, including its handbook, and maintain the ability to meet like standards and requirements throughout term of employment.

Salary Range $65,000-$115,000

Benefits

• Paid time Off
• Sick Time Off
• Medical, Dental, and Vision
• $30,000 Employer Paid Life Insurance Policy
• Voluntary Life, Short Term and Long Term Disability
• Flexible Spending Account (FSA), Health Savings Account (HSA) Must Enroll into Medical Plan for Eligibility, and Health Reimbursement Account (HRA)
• 401k
• Employee Stock Ownership Plan
  
  
  

Affirmative Action / EEO Statement High Country Bank is an Equal Opportunity Employer that does not discriminate on the basis of actual or perceived race, creed, color, religion, alienage or national origin, ancestry, citizenship status, hair texture, hair type, or a protective hairstyle that is commonly or historically associated with race, age, disability or handicap, sex, marital status, veteran status, sexual orientation, genetic information, arrest record, or any other characteristic protected by applicable federal, state or local laws. Our management team is dedicated to this policy with respect to recruitment, hiring, placement, promotion, transfer, training, compensation, benefits, wage rates, pay practices, employee activities and general treatment during employment. High Country Bank will endeavor to make a reasonable accommodation to the known physical or mental limitations of qualified employees with disabilities unless the accommodation would impose an undue hardship on the operation of the Bank. If you need assistance to perform your job duties because of a physical or mental condition, please let the VP of Human Resources know. High Country Bank will endeavor to accommodate the sincere religious beliefs of its employees to the extent such accommodation does not pose an undue hardship on the operation of the Bank. If employees wish to request an accommodation, they should contact the VP of Human Resources.

Any employees with questions or concerns about this policy or who experiences or observes any violation of this policy should report it immediately to the VP of Human Resources. High Country Bank prohibits any form of retaliation against individuals who, in good faith, report such matters or participate or cooperate in their investigation. If employees feel they have been subjected to any such retaliation, they should contact the VP of Human Resources. Violation of this policy including any improper retaliatory conduct will lead to discipline, up to and including termination. All employees must cooperate with investigations under this policy.

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