LOAN OFFICER II

Manages a portfolio of all types of loan/depository accounts.  Responsible for prospecting new customers and cross-selling other banking services.

1. Prospects new customers and solicits new loans.  Cross-sells other banking services to new and existing customers.  Maintains on-going customer contact to ensure good customer relations. 
2. Performs on-going management of a portfolio of all types of account relationships.  Includes account reviews, problem solving, research and follow-up to internal account errors, etc.  Interviews loan applicants: gather and evaluate financial and

related data to establish credit worthiness.  Monitor customers’ financial condition.
3. Reviews and approves or denies loan request to new or existing customers up to a pre-determined limit.  Prepares action memos to be reviewed by management and presents credits exceeding authority to the loan committee.  May serve and vote as a4.ember of the bank loan committee. Monitors loan repayment activities, take necessary action to collect past-due accounts. 
4. May participate in preparation of department budget, goals and objectives and strategic planning.
5. Participates in civic and community organizations, representing the bank, but  following personal interests.  Attends customer and bank sponsored events.  
6. Performs other related duties as assigned by management.
7.Ability to maintain regular and reliable attendance.

Ability to maintain a high level of confidentiality.

Ability to problem solve.

Ability to make sound decision using information at hand.

Ability to demonstrate accuracy and efficiency in a fast-paced environment.

Ability to function as a team player.

Prefer 3 - 5 previous years of lending experience.

Knowledge of agriculture, commercial and consumer lending procedures.

Knowledge of credit structuring.

Knowledge of general banking principles and banking.

Knowledge of sales and marketing practices and principles.

College degree preferred.

We offer fair and competitive compensation as well as bonus based on an employee's years of service and possible discretionary merit bonuses. Employees also have the opportunity to participate in the Bank incentive programs based on charter/branch guidelines.  Other benefits include:

• 8 paid holidays
• 17 PTO days each year for the first five years of employment.  Employees must also complete the 90-day introductory period prior to accruing PTO.
• New employees will receive 12 hours of paid sick time upon their hire date
• After five years, 22 PTO days each year
• Health, dental, prescription drug card, vision, and voluntary life insurance plans
• Health Savings Account with employer contributions
• Flexible medical and dependent care spending plans
• Parental Leave after one year of full time employment
• 401K plan after 3 months and start of next quarter with employer contributions and profit sharing 
• Free checking account and basic printed checks
• Free safe deposit box
• $15,000 group term life insurance
• Long term disability insurance
• Employee Assistance Program
• Educational Assistance