Loan Officer - Hnb National Bank : Job Details

The Loan Officer isresponsible for soliciting, negotiating, and coordinating the closing of loans in compliance with the Bank's lending policies, procedures, and related laws and regulations; engages in business development opportunities; develops good customer relationships; and markets and cross sells other banking products.Essential Duties and Responsibilities include the following. Other duties may be assigned.- Interviews applicant and gathers pertinent information for loan application.- Analyzes applicant financial status, credit, and asset evaluation to determine feasibility of granting loan or submits application to credit analyst for verification and recommendation.- Resolves uncertainties relating to customer application information through inquiries with applicant or creditors.- Approves loan within specified limits or refers loan to loan committee for approval.- Compiles loan package and facilitates negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.- Ensures loan agreements are complete and accurate according to policy.- Conduct loan closings. Assuring timeliness of closing and funding activities.- Reviews, tracks, and requests current financials from commercial loan customers.--- Monitors performance of loans. Notifies or locates customers with delinquent accounts and attempts to secure payment. Initiates foreclosure or repossession actions when necessary.- Identifies and analyzes potential loan markets to develop prospects for loans.- Promotes and cross-sells other establishment products and services such as internet banking, cashier's checks, and trust and investment services. - Assists customers with inquiries and information requests, and resolves complaints relating to loan products and services offered.- Participates in community affairs to increase the Bank's visibility and to enhance new and existing business opportunities.The preferred candidate must possess experience in lending. HNB offers a competitive benefits package and is an Equal Opportunity Employer including Vets and Disabled.