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Loan Portfolio Officer

Job in Clara City, Chippewa County, Minnesota, 56222, USA
Listing for: Citizens Alliance Bank
Full Time position
Listed on 2026-03-11
Job specializations:
  • Finance & Banking
    Banking & Finance, Risk Manager/Analyst
Salary/Wage Range or Industry Benchmark: 47402 - 71103 USD Yearly USD 47402.00 71103.00 YEAR
Job Description & How to Apply Below
Location: Clara City

Pay range: $47,402.09 USD to $71,103.13 USD. The estimated range is the budgeted amount for this position. Final offers are based on various factors, including skill set, experience, location, qualifications and other job-related reasons.

Description

The Loan Portfolio Officer is responsible for underwriting, credit monitoring, and managing the Bank’s various loan portfolios to achieve efficiency and quality of the process and related lending products and services. This position will work with Credit Administration and the SVP/Loan Officer IV on loan analysis, loan structure and terms, collateral management, credit administration, title work, leading loan requests through the credit approval process, and assisting with overall portfolio management.

The Loan Portfolio Officer will be responsible for ongoing portfolio maintenance activities, manage a portfolio of complex credits, and perform the functions of the position with oversight from the SVP/Loan Officer IV.

The level of this position is based on years of service, education, equivalent experience, knowledge level and skill set.

Essential Functions
  • Act as the technical expert on the Bank’s loan portfolios.
  • Underwrite and compile credit memos.
  • Be responsible for collateral management.
  • Order title work and appraisal requests and reviews.
  • Work with Loan Officers to assist with client relationships.
  • Effectively communicate with Loan Officers and customers.
  • Conduct all aspects involved with managing portfolios, including digital engagement, maintaining the portfolio’s documents and account activities.
  • Support revenue growth by assisting with management plans, credit, and deposit goals.
  • Possess knowledge of fiduciary and financial products and services.
  • Provide financial analysis to maximize profitability.
  • Possess a thorough understanding of the terms and conditions under which the loans should be presented and closed.
  • Provide loan structure guidance and apply analysis assistance to mitigate risks in relationships consistent with loan policies.
  • Require a valid Driver’s License.
  • All employees are expected to exemplify and follow our core values.
  • Regular attendance and punctuality when reporting to work.
  • Travel for trade and industry schools and seminars as needed.
  • May require installation of a Multi‑Factor Authentication (MFA) app on an employee’s personal mobile device. MFA apps are used to authenticate a user’s identity to the system for security purposes.
  • Adhere to and comply with all applicable, federal, and state laws, regulations, and guidance, including those related to BSA/AML, and the Bank’s policies and procedures.
  • Perform other duties as assigned and requested.
  • Core Values
    • Humility – We are “blue‑collar bankers”. We are relatable, down‑to‑earth people who greet our smallest customer the same way we greet our largest.
    • Respectful, Genuine Care for Others – We care about each other, we care about our customers, and we care about our communities.
    • Finds A Way – This simply put, is nothing more than attitude. It’s a can‑do spirit, a desire to help, to contribute, to go above and beyond, and to make a difference.
    • Effort – We expect a lot of ourselves and hold ourselves to a high standard. We are not entitled, and we need to earn it from our customers and each other every day.
    • Owning‑It – Owning‑It or Accountability is a big word that can encompass a great many things. For Citizens Alliance Bank, it’s about ownership. When an employee says they will do something, they follow through and get it done.
    Education and Experience
    • Required: High School diploma or GED.
    • Required: Four‑year bachelor’s degree in related field.
    • Required: 0 to 5 years of progressive commercial and agricultural lending experience.
    • Required: Continuing Education to maintain job knowledge and proficiency.
    • Preferred: 0 to 5 years of customer service experience.
    • Preferred: Proficiency in Microsoft Office Suites, familiarity with loan documentation and boarding software.
    Licenses & Certifications

    Citizens Alliance Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, age, religion, gender, sexual preference or orientation, gender identity, gender expression, national origin, disability, veteran status and all other protected classes.
    This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

    The employer has the right to revise this position description at any time. The position description is not a contract for employment.

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