Construction Loan Officer sources and structures construction loans. Performs a due diligence review of potential borrowers, including risk and financial analysis. Being a Construction Loan Officer analyzes applicants' credit and financial status and obtains property appraisals to determine the feasibility of granting loans. Develops relationships with builders and developers to obtain referrals and future lending opportunities. Additionally, Construction Loan Officer structures construction loan terms and conditions according to policies. Approves loans within authorized limits or refers them to a loan committee for approval. May disburse loan proceeds at designated project mile. Requires a bachelor's degree. Typically reports to a manager. The Construction Loan Officer occasionally directed in several aspects of the work. Gaining exposure to some of the complex tasks within the job function. To be a Construction Loan Officer typically requires 2 -4 years of related experience. (Copyright 2024 Salary.com)
As a member of the UBI team, this position is responsible for developing and maintaining a portfolio of agricultural loan accounts.
Makes loans to individuals, partnerships, cooperatives, and corporations engaged in agricultural production. Analyzes loan applications, audits loan files, services existing loans, and counsels customers in an effort to reduce delinquencies and meet departmental goals for increasing loan volume.
EDUCATION / TRAINING / EXPERIENCE :
Bachelor of Science or Arts degree with a major in agriculture or related field; or 1-3 years related experience and / or training;
or equivalent combination of education, training, and experience.
LANGUAGE SKILLS :
Ability to read, analyze, and interpret financial reports, professional journals, and governmental regulations.
Strong writing skills to compose moderately complex correspondence and reports.
Strong verbal skills to effectively present information to customers, employees and top managers in one-on-one and small group situations.
MATHEMATICAL SKILLS :
Ability to calculate amounts such as interest, discounts, and percentages and interpret complex financial reports.
REASONING ABILITY :
Comprehend and understand bank operations, policies (manuals) and procedures.
Independent judgment to recognize and maintain confidential information.
Understand and apply standard agricultural production and marketing concepts and principles.
Recognize and resolve a wide variety of practical problems involving common sense judgment, tact, and on-the-spot decisions.
OTHER SKILLS :
Problem-solving skills to define problems, collect data, establish facts, and draw valid conclusions.
Interpersonal skills to deal effectively with customers, employees, and top managers.
Organizational skills to prioritize responsibilities and meet deadlines in an orderly, productive manner.
Customer service and collection skills to handle situations which require assertiveness and discretion.
Computer skills in word processing, spreadsheet and database software to generate correspondence and reports.
CERTIFICATES, LICENSES, REGISTRATIONS :
Credit insurance license from the State of Iowa.
SCHEDULE :
Monday - Friday : 8 : 00am - 5 : 00pm
Last updated : 2024-04-24
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