Commercial Loan Officer II

Description:

For more information and/or to apply, please visit our career site at:
my100bank.com/careers

GENERAL DESCRIPTION OF POSITION
Responsible for extending credit within the policies and guidelines set forth in the loan policy. Responsible for ensuring that all loan decisions, actions and recommendations are based on an accurate and thorough understanding of each customer's financial needs and conditions and comply with all laws, regulations and bank policy. Must properly administer the credit worthiness and documentation of all loans and/or borrowing relationships originated or assigned to the officer. Further, it is the officer's responsibility to maintain current credit files and proper note and collateral security documents.

ESSENTIAL DUTIES AND RESPONSIBILITIES
1. Interviews commercial loan applicants. This duty is performed daily, about 10% of the time.

2. Examines and evaluates applicant’s credit and financial history. This duty is performed daily, about 10% of the time.

3. Examines/Views collateral (if applicable) to determine adequacy. This duty is performed daily, about 10% of the time.

4. Authorizes or recommends approval/denial of applicant. This duty is performed daily, about 10% of the time.

5. Approves loan within specified limits or refers to appropriate approval level. This duty is performed daily, about 5% of the time.

6. Prepares loan offering memorandum. This duty is performed daily, about 10% of the time.

7. Ensures all loan documents are complete, accurate and in accordance with policy. This duty is performed daily, about 5% of the time.

8. Closes/Declines loans in a timely manner. This duty is performed daily, about 5% of the time.

9. Monitors loan portfolio/performance. This duty is performed daily, about 5% of the time.

10. Corresponds with customers. This duty is performed daily, about 10% of the time.

11. Recommends changes in risk rating. This duty is performed daily, about 5% of the time.

12. Collects past due loan payments. This duty is performed weekly, about 5% of the time.

13. Develops potential loan markets and loan prospects. This duty is performed daily, about 5% of the time.

14. Completes required BSA/AML training and other compliance training as assigned. This duty is performed annually, about 5% of the time.

15. Perform any other related duties as required or assigned.

EDUCATION AND EXPERIENCE
Broad knowledge of such fields as accounting, marketing, business administration, finance, etc. Equivalent to a four year college degree, plus 5 years related experience and/or training, and 4 years related management experience, or equivalent combination of education and experience.

ADDITIONAL INFORMATION
College degree in general business, finance, economics or accounting.
Five (5) years lending experience.
Five (5) years experience with banking, investment, or economic analysis.
Two (2) years experience using Microsoft Word and Excel.
Must have general computer skills.
The ability to communicate using oral and written skills.

WE OFFER:
Competitive Salaries
Paid holidays and vacation
401K Plan
Health Insurance

• Home BancShares, Inc. is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, veteran status, family or marital status, gender identity or expression, or any other characteristic protected by law.
• EEO/AA/Veteran/Disabled/F/M

For more information and/or to apply, please visit our career site at:
my100bank.com/careers.

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