Ag & Commercial Loan Officer

Job Type
Full-time
Description
Lender responsible for making and servicing loan activity for (either/and/or consumer, agricultural, commercial, or real estate) loans. Assists management in making recommendations to overall loan objective, policies and procedures. Provides advice and guidance to others engaged in loan activity to ensure that loans are properly processed and that adequate controls are maintained. Every transaction should be viewed as an opportunity for new business development by making the customer aware of any product or service that may be of benefit to them. In addition to one-on-one contact, customer referrals will be made on an on-going basis as an integral part of the sales process, enabling Iowa State Bank to further develop relationship banking.
Requirements
ESSENTIAL DUTIES AND RESPONSIBILITIES: Essential duties and responsibilities are intended to describe those functions that are essential to the performance of this position.

• Receive and process all types of loan applications using all available programs to help enhance or guarantee loans processed (FHA, SBA, etc).
• Collects and analyzes information regarding the customer's income, assets, investments or debts to determine which financial product best meets their needs.
• Advises the customer in regard to their financial position.
• Minimize past due loans by ensuring safety and soundness through special attention to past due and questionable credits.
• Visit "prospective" clients to develop new business in a development call program.
• Visit existing clients to evaluate collateral and develop long-term relationships.
• Solicit new customers and represent the bank in community activities.
• Cross sell bank products and services and makes referrals to other bank personnel.
• Assist management with research, development and implementation of new products, or special projects and committees.
• May be asked to travel to other branch locations to assist in Loan Officer duties as needed to ensure adequate coverage.

• Maintains advanced knowledge and awareness of financial and economical industry status and trends.
• Actively upholds the organization's vision, mission and values, encompassing mutual respect, honoring commitments, working with integrity and accepting responsibility for own actions.
• Demonstrates knowledge of and adherence to EEO policy, shows respect and sensitivity for cultural differences, promotes working environment free of harassment of any type.
• Assures compliance with all Bank policies and procedures, as well as all applicable state and federal banking regulations.
• Has a strong commitment and dedication to internal and external customer service.
• Accepts other responsibilities as assigned to help embrace ISB's values.

• 4 year college degree or related work experience
• Accuracy and meticulous attention to detail required
• Excellent oral, written, and interpersonal communication skills