Loan Officer

Description

Who we are

For over 65 years, The First State Bank has remained committed to serving communities and customers alike by providing the products our customers want while staying true to our motto – “Friendliest Bank Anywhere”. With this as our foundation, FSB has grown to include twelve full-service branches along with two loan production offices primarily situated in southeast Texas. Our vision for growth is cemented in staying true to our roots while continuing to add highly motivated, qualified individuals to our already talented team.

Position Summary

As a Loan and Business Development Officer, your primary role will be growing and retaining profitable relationships by providing mutually beneficial solutions to the Bank and its customers. As a representative of the Bank, this individual will also be expected to attend civic and community events to promote FSB and your local branch.

Duties and 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 borrowers’ 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 cross-sell bank products to potential and current clients

· Maintains credit and lending records and files

· 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

Requirements

· Education/Experience

· Bachelor’s Degree from an accredited university preferred

· 3+ years with education or 7+ years with requisite experience 

Required Skills/Abilities

· Excellent verbal and written communication skills

· Excellent interpersonal, customer service, and sales skills

· Extremely proficient with Microsoft Office Suite or related software program

Physical Requirements

· 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