Lending Officer

Position Summary

We are seeking a motivated and relationship-driven Lending Officer to develop new business opportunities, manage an existing loan portfolio, and provide financing solutions to individuals and businesses. This role is responsible for originating, structuring, closing, and servicing loans while maintaining strong client relationships and identifying opportunities for growth.

The ideal candidate will have lending experience, strong financial acumen, and the ability to build lasting relationships within the community.

Key Responsibilities

Business Development & Relationship Management

• Identify and pursue new business opportunities through networking, referrals, community involvement, and industry events.
• Build and maintain relationships with clients, referral partners, and other professionals.
• Represent the organization at community events, seminars, conferences, and networking functions.
• Utilize market and industry data to identify growth opportunities within the region.

Loan Origination & Portfolio Management

• Meet with prospective and existing clients to assess financing needs and recommend appropriate lending solutions.
• Gather loan applications and all required supporting documentation.
• Collaborate with credit and underwriting teams throughout the approval process.
• Manage loan renewals, annual reviews, refinancing opportunities, and portfolio servicing activities.
• Coordinate appraisal requests and collateral evaluations as needed.
• Communicate lending decisions and guide clients through the financing process.
• Coordinate loan closings with all parties involved to ensure a smooth transaction.
• Conduct site visits and inspections when necessary.

Credit & Risk Management

• Evaluate collateral and supporting documentation.
• Maintain accurate records and documentation related to client relationships and loan files.
• Monitor portfolio performance and proactively address potential risks.
• Ensure compliance with internal policies and regulatory requirements.

Qualifications

Education & Experience

• Bachelor’s degree in Finance, Business, Economics, Accounting, or a related field preferred.
• Equivalent combination of education and relevant experience will be considered.
• Minimum of three years of experience in lending, banking, financial services, or a related field.
• Experience working with commercial clients and business financing is preferred.

Knowledge, Skills & Abilities

• Strong understanding of lending principles and financial analysis.
• Ability to review and interpret financial statements, tax returns, balance sheets, and cash flow reports.
• Excellent business development and relationship-building skills.
• Strong communication, negotiation, and customer service abilities.
• Exceptional organizational and time management skills.
• Proficiency in Microsoft Office and financial software systems.

Schedule

• Full-time
• Monday through Friday
• Standard business hours

Compensation & Benefits

• Competitive base salary plus incentive opportunities
• Comprehensive benefits package including medical, dental, vision, and life insurance
• Retirement savings plan with employer contributions
• Paid time off and company holidays
• Professional development and career growth opportunities

Why Join Us?

This position offers the opportunity to make a direct impact by helping clients achieve their financial goals while building long-term relationships in a collaborative, customer-focused environment.

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