Loan Officer

Job Title: Loan Officer

Position Summary 

We are seeking an experienced, relationship-focused Loan Officer to join our team. This individual will be responsible for developing and maintaining customer relationships while originating, underwriting, and managing a variety of loan products. The ideal candidate is knowledgeable in lending practices, credit analysis, and regulatory compliance, while delivering an exceptional customer experience.

Key Responsibilities

• Develop and maintain strong customer relationships to identify lending needs and provide financial solutions

• Originate, evaluate, and process loan applications, including consumer, mortgage, and/or commercial loans

• Analyze financial information, credit reports, collateral, and risk factors to make sound lending recommendations

• Structure loan terms and prepare loan presentations for approval

• Ensure compliance with all bank policies, lending regulations, and documentation requirements

• Actively participate in business development and community involvement to grow loan and deposit relationships

• Maintain a high level of customer service throughout the loan process from application to closing

• Monitor and manage existing loan portfolio relationships and identify opportunities for cross-selling bank products and services

• Work collaboratively with branch and lending teams to support bank growth and customer retention

Qualifications

• Minimum of 3–5 years of lending experience preferred

• Strong understanding of loan underwriting, credit analysis, and regulatory requirements

• Proven ability to develop business relationships and generate loan growth

• Excellent communication, problem-solving, and customer service skills

• Ability to analyze financial statements and make sound lending decisions

• Strong attention to detail and organizational skills

• Proficiency in banking systems and Microsoft Office applications

Preferred Traits

• Relationship-driven with a community banking mindset

• Self-motivated and goal-oriented

• Professional, trustworthy, and committed to serving customers and communities

Why Join Us? This position helps strengthen the communities we serve by building trusted relationships, making the best financial decisions, and delivering an exceptional customer experience. The right person in this role makes a meaningful impact every day—for both our customers and our bank.

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