Loan Officer

PRIMARY PURPOSE OF JOB

Originates various loans, promotes the bank and its lending services to the real estate community and helps to identify and serve the community's financial needs.

EXPECTATIONS OF ALL SOUTHERN BANK TEAM MEMBERS

• Southern Bank team members are a family, rooted in the communities we serve and working together to be the best in our industry, utilizing innovative ideas and strong products. The Southern Bank Patch illustrates these ideals.
• Ensures the confidentiality of customer non-public personal information and secures information systems to comply with bank regulations.

ESSENTIAL FUNCTIONS AND PERFORMANCE AREAS

• Solicits loan customers; personally interviews, assesses and determines credit worthiness of loan applicants;
• Completes loan application and all pre-processing functions in a timely manner;
• Screens loan requests based on bank policies and on types of loans offered by the bank;
• Follows up with applicants and secures the necessary information to underwrite the loan and conducts site visits if needed;
• Negotiates loan structure;
• Promotes and participates in the bank's special credit programs and other CRA programs;
• Works with loan coordinator to order appraisals, credit reports, reference checks and other information as needed on loan applicants;
• Actively makes referrals to Personal Bankers for deposit-related accounts and products;
• Collaborates with Credit Analysts in order to prepares loan presentations as necessary for presentation to the Loan Committee; and,
• Actively participates in local business and community activities and maintains close contact with local builders, real estate brokers and agents, customers and prospects.

The following specifications are general guidelines based on the minimum education and experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.