Commercial Loan Officer

Job Summary: Services a wide variety of business and individual loans, both secured and unsecured.  Accountable primarily for providing services for commercial loans but may handle some installment loans.This position typically requires 1-5 years prior commercial lending experience, strong credit and analytical skills, and knowledge of bank services.

Essential Duties:

• Interviews applicants to develop credit and financial information to determine if the loan is an acceptable risk.
• Ensuring loan application packages comply with Bank policies and regulatory requirements.
• Makes decisions on loans and terms within established lending limits, or makes recommendations to superiors.
• Obtains credit information from investigations.
• Reviews collateral pledged to ensure that margin requirements are maintained.
• Develops and maintains account relationships, both credit and non-credit.
• Prepares and presents for approval credit analysis on all borrowing requests to the loan committee or Chief Credit Officer.
• Follows current loans to ensure complete compliance with terms, through reviews, analysis and proper documentation.
• May coordinate some collection efforts.
• Maintains customer relationships and promotes additional bank services and products.
• Calls on potential or existing customers to develop new business and increase or retain business.
• May participate in business development activities.
• Rectify deficiencies when appropriate.
• Represent Bank of Eastern Oregon within various community service organizations.
• Complete required training and compliance with Bank Secrecy Act/Anti-Money Laundering policies,      procedures, including identification of suspicious activity, CTR (Currency Transaction Report) preparation and other job specific policies/procedures pertaining to this position.
• May be asked to perform other duties as required by business needs.

Education / Experience:

• A combination of education and experience equivalent to a bachelor's degree in business or closely related field and one to five years progressively responsible experience in commercial lending.

 Minimum Qualifications:

• One to five years progressively responsible experience in commercial lending.
• Ability to develop and maintain organizational structure.
• Knowledge of lending laws and practices.
• Strong analytical and credit skills, and a good knowledge of bank services.
• Ability to communicate effectively both verbally and in writing.
• Skills in the operation of a personal computer with word processing and spreadsheet software and intra/internet.
• Ability to establish and maintain effective working relationships with a diverse group of people.
• Ability to prioritize and coordinate a variety of activities.
• Ability to operate a fax and copy machine.

 Physical Qualifications:

• Must be able to remain in a stationary position constantly. 
• The person in this position needs to occasionally move about inside the office to access file cabinets and other office machinery; such as a copy and/or fax machine.
• Constantly operates a computer and other office productivity machinery; such as a calculator, copy machine, and printer.
• The person in this position frequently communicates with employees and/or customers who have credit and financial inquiries.  Must be able to exchange information in these situations.
• Constantly assesses information from computer, manuals, spreadsheets and other bank systems.
• Ability to transport file boxes to another work location (records vault).
• Ability to drive and/or ride in a vehicle to attend educational training or required meetings.

Bank of Eastern Oregon is an Equal Opportunity Employer of minorities, women, protected veterans and individuals with disabilities.

This job description is subject to change and other functions may be assigned/reassigned at management's discretion, in no way implies that these are the only duties, including essential duties, to be performed by the employee occupying this position, and is not an employment contract. The aforementioned job requirements are subject to change to reasonably accommodate qualified disabled individuals.

Current Openings for Commercial Loan Officer Jobs at Bank of Eastern Oregon