Commercial Loan Officer

First National Bank - Hastings, MN

Full-time - Mid Level

Onsite - Hastings, MN

Credit Intermediation and Related Activities

About the position

The Commercial Loan Officer position is focused on providing loans and banking products to commercial clients, including those in business banking, agriculture, and commercial real estate. This role is essential for growing and maintaining the bank's portfolio while actively engaging with the community to enhance local financial services.

Responsibilities

• Acts as primary point of contact for those seeking Commercial loans, building relationships with clients during the process.
• Evaluates client/applicant's credit to determine appropriate lending decision based on company risk-tolerance levels.
• Determines value or status of collateral as necessary during the loan application process.
• Develops a strong knowledge of bank's products and identify opportunities to recommend other products or services to customers.
• Develops and execute sales strategies to either maintain or gain clients to increase commercial lending revenue and deposit growth.
• Builds relationships with key members of the community, building a network while continuing to service the needs of our existing customers.
• Builds and manages credit portfolios for clients.
• Ensures that customers receive satisfactory customer service.
• Develops an understanding of internal bank policies, as well as a strong understanding of banking regulations.
• Other duties as assigned.

Requirements

• Bachelor's degree in accounting, finance or related field preferred.
• 2+ years of commercial lending desired.
• A desire to work within the community and offer solutions as suited.
• Strong communication and negotiating skills.

Benefits

• Health Insurance
• Dental Insurance
• Vision Insurance
• Paid Vacation, Sick, and Holiday time
• A competitive 6% 401k match