Commercial Loan Officer

Job DescriptionThe Commercial Loan Officer is responsible for receiving, reviewing, evaluating, and underwriting commercial loan requests. He or she meets with applicants to explain credit policies and to obtain loan information and documentation, monitors and reviews construction and development loans, and helps with collection activities. The Commercial Loan Officer serves borrowers and prospective borrowers promptly and professionally, provides general bank information, cross-sells services, and helps other Commercial Lending personnel as necessary. He or she is responsible for business development and marketing of existing and prospective accounts.QualificationsHigh school diploma or GED required; Bachelor's degree in Business, Finance, or a related field preferredThree to five years of commercial lending experience requiredUnderstanding of financial analysis and determination of credit worthiness requiredKnowledge of Bank lending and collections programs, policies, and procedures requiredActive license number with the Nationwide Mortgage Licensing System and Registry or the ability to obtain suchFamiliarity with property management and maintenance procedures preferredStrong interviewing skillsExcellent written and verbal communication skillsProven track record of community/civic/trade organization involvement and business developmentStrong analytical skillsAble to use financial calculator and related computer applications and business machinesResponsibilitiesEnsures that customers' requests and questions are promptly resolvedInterviews, takes applications, and processes preliminary documentation on loan requests, discussing loan alternatives, credit criteria, interest rates, and loan documentation in such a manner as to elicit positive responses from customersCompletes lending operations in accordance with established Bank policies and legal requirementsInforms customers of Bank loan policies and servicesAnalyzes and evaluates loan requests and approves loan within specified limits or prepares written submission for consideration by the Senior Lender, Regional Credit Officer, or Senior Loan Committee if over individual limitIdentifies problems or potential problems with credit information and coordinates with the necessary party to resolve the problemsHelps review construction loan advances on commercial propertiesConducts property inspections as assignedReviews loan reports to identified maturing or matured loans and is proactive in completing renewal paperwork or processing a declineHelps with the collection of delinquent accountsEstablishes and maintains effective and professional business relations with customers and trade professionalsEducates customers regarding bank products and services requested and how they can better serve their individual financial needsMeets with applicants whose loans are denied and explains reasons and alternativesMay indirectly or directly supervise loan personnel and/or lending assistants, ensuring that high quality work and efficiency in operations are maintainedMay determine work methods and flow through assigning, directing, coordinating, and reviewing tasksAttends assigned training sessions and stays current on new procedures and policiesMarkets commercial loans and cross-sells other bank products and servicesStays informed regarding changes in lending standards and related legal requirementsPromotes D.L. Evans Bank at all times and serves as a representative in the communityCompletes required reports and records accurately and promptlyMaintains the professional reputation of D.L. Evans BankCoordinates functions with related departments and Branches and provides support as neededHelps other area personnel as requiredKeeps management informed of area activities and any significant problems or concernsAttends and participates in meetings and committees as requiredCompletes special projects as assignedCompany DescriptionD.L. Evans Bank is a community bank and has been since 1904. For many years, we have provided premier banking services to the residents of Southern Idaho and Northern Utah while fostering a working environment for our employees dedicated to teamwork and excellent customer service. If you are a dynamic and customer-driven individual, whether an experienced banker or just beginning your career, we encourage you to continue with this applicant friendly, online job application!D.L. Evans Bank is an Equal Opportunity Employer (EOE/AA/W/M/Vets/Disabled). VEVRAA Federal Contractor.BenefitsMedical InsuranceDental InsuranceVision InsuranceFSA401(k)Employee Stock Ownership PlanPaid VacationSick TimeLife InsuranceLong-term Disability Insurance