Job Description

Job Description

Job Description

Senior Loan Officer

Description

We are looking for a highly experienced and motivated Senior Loan Officer to join our dynamic team. The ideal candidate will have a strong background in financial services, particularly in loan origination, underwriting, and client relationship management. As a Senior Loan Officer, you will be responsible for evaluating, authorizing, or recommending approval of commercial, real estate, or credit loans. You will also be tasked with developing and maintaining relationships with clients, ensuring their financial needs are met with the highest level of service. Your role will involve analyzing complex financial data, assessing creditworthiness, and ensuring compliance with all regulatory requirements. You will work closely with other financial professionals to structure loan packages that meet the needs of both the client and the institution. Additionally, you will be expected to stay current with market trends and regulatory changes to provide the best possible advice and service to clients. This position requires excellent analytical skills, attention to detail, and the ability to communicate effectively with clients and colleagues. If you are a proactive, results-driven professional with a passion for finance and customer service, we would love to hear from you.

Responsibilities

• Evaluate, authorize, or recommend approval of commercial, real estate, or credit loans.
• Develop and maintain relationships with clients to understand their financial needs.
• Analyze complex financial data and assess creditworthiness.
• Ensure compliance with all regulatory requirements.
• Work closely with other financial professionals to structure loan packages.
• Stay current with market trends and regulatory changes.
• Provide the best possible advice and service to clients.
• Prepare detailed loan proposals and presentations.
• Monitor loan portfolios and manage risk.
• Negotiate loan terms and conditions with clients.
• Assist in the development of loan policies and procedures.
• Train and mentor junior loan officers.
• Participate in community events to promote the institution's services.
• Handle customer inquiries and resolve issues promptly.
• Maintain accurate records and documentation.
• Conduct periodic reviews of existing loans.
• Collaborate with the marketing team to develop promotional strategies.
• Ensure timely processing and closing of loans.
• Prepare and present reports to senior management.
• Identify opportunities for cross-selling other financial products.

Requirements

• Bachelor's degree in Finance, Business, or related field.
• Minimum of 5 years of experience in loan origination or underwriting.
• Strong understanding of financial services and loan processes.
• Excellent analytical and problem-solving skills.
• Proven ability to assess creditworthiness and manage risk.
• Strong communication and interpersonal skills.
• Ability to work independently and as part of a team.
• Detail-oriented with strong organizational skills.
• Proficiency in financial software and Microsoft Office Suite.
• Knowledge of regulatory requirements and compliance.
• Ability to develop and maintain client relationships.
• Strong negotiation skills.
• Experience in preparing loan proposals and presentations.
• Ability to stay current with market trends and regulatory changes.
• Proven track record of meeting or exceeding targets.
• Ability to handle multiple tasks and prioritize effectively.
• Strong ethical standards and integrity.
• Experience in training and mentoring junior staff.
• Ability to work under pressure and meet deadlines.
• Willingness to participate in community events and activities.

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