Description:
Who we are
For over 65 years, The First State Bank has remained committed to serving communities and customers alike by providing the products our customers want while staying true to our motto – “Friendliest Bank Anywhere”. With this as our foundation, FSB has grown to include twelve full-service branches along with two loan production offices primarily situated in southeast Texas. Our vision for growth is cemented in staying true to our roots while continuing to add highly motivated, qualified individuals to our already talented team.
Position Summary
As a Senior Loan Officer, your focus will be the growth of existing customer relationships and introducing new lending opportunities within the scope of FSB's loan policy and guidelines. As a Senior-level representative of the Bank, this position is also expected to be involved within the community and participate in civic organizations and events.
Duties and Responsibilities
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Assists potential borrowers with completion of initial loan applications; reviews submitted applications for accuracy and completion, requesting additional information or detail as needed
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Verifies information and financial history provided; acquires borrowers’ credit reports from major credit reporting bureau(s)
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Submits application to credit analysts or, when appropriate, examines application and creditworthiness of potential borrower; determines or makes recommendations regarding approval or denial/modification of requested loan
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Approves loans up to pre-approved lending limit
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Ensures loan agreements are completed according to policy; calculates and explains payment schedules
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Explains different lending and credit options and cross-sell bank products to potential and current clients
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Maintains credit and lending records and files
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Maintains a robust referral network in the local banking community with builders, real estate agents, and other related businesses
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Performs other related duties as assigned
Requirements:
Required Skills/Abilities:
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Excellent verbal and written communication skills
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Excellent interpersonal, customer service, and sales skills
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Extremely proficient with Microsoft Office Suite or related software program
Education/Experience
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Bachelor’s Degree from an accredited university preferred
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5+ years with education or 10+ years with requisite experience
Physical Requirements:
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Prolonged periods sitting at a desk and working on a computer
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Must be able to lift up to 15 pounds at times
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Must be able to travel at times
EOE/Veterans/Disability