Senior AGCommercial Loan Officer

Benefits

• Retirement Benefits
• Dental insurance
• Health insurance
• Vision insurance

Responsible for developing new commercial and agricultural business relationships, underwriting, structuring and the closing of loans, as well as maintaining and servicing an existing portfolio. This position represents the bank in the local community through active participation in community affairs and participates in marketing all of the bank’s products and services.

• Adopt the Mission, support the Vision and demonstrate the Values of the organization.
• Source, develop and underwrite loans and financing requests for new and existing customers.
• Negotiate terms, structure loan financing based on risk considerations and present credits for approval to appropriate levels of authority with the bank as required.
• Evaluates and audits the consistency of credit recommendations prepared by credit analysts.
• Monitors adherence to federal and state regulations in the underwriting of lending products.
• Review past due and potentially critical loans.
• Prepare recommendations and analysis for large commercial or participation loans
• Support the bank’s strong relationship banking culture through on-going customer contact and quality customer service.
• Regular and punctual attendance.

• Supports others in the Loan Department, including training when needed
• Other duties as assigned

• Thorough banking and business acumen
• Demonstrates strong lending and financial skills
• Strong verbal, written and telephone communication skills
• Strong customer service skills
• PC knowledge, to include word processing, spread sheet and database software.
• Problem solving and critical thinking skills
• Organization and time management skills

• Degree in Agriculture, Business Administration, Finance, or equivalent banking industry experience
• Minimum of 3 years in lending
• Knowledge of banking regulations
• Valid driver’s license

Responsible for the hiring, coaching, training, assessment, performance and management of reporting staff

Exercises discretion and independent judgment

Duties directly relate to the management and general business operations

Acts as an advisors and consultant to clients and customers

• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• Use of keyboard, phones and office equipment more than 5 hours
• Lift up to 3 pounds occasionally, up to 10 pounds rarely
• Sit for more than 3 hours

Maintain confidentiality of customer and proprietary bank information

It is the responsibility of all employees to be aware, observe, record and take appropriate action regarding safety and security

Employees are expected to follow policies and procedures, in addition to cooperating in investigations.

Professional, inside, office area

Occasional driving

Please note this in no way states or implies that these are the only duties to be performed by the person occupying this position. This description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the person for this job. Duties, responsibilities and activities may change at any time or without notice.

Franklin Bank & Trust Company is an Equal Opportunity Employer, including protected veterans and individuals with disabilities.