Commercial Loan Officer

At The Bank of Missouri we know it takes great people to support the communities we serve! We are passionate about caring for people and communities, and know how to recognize and reward our employees for their talent and contributions. When you work at The Bank of Missouri, you not only get to help others, but you also get the resources, opportunities and support to grow your own career.

Staying in business for more than 130 years is hard. Really hard. If you think about it, we've endured many events, like the Great Depression and two World Wars. We've survived and thrived, thanks to our great customers and communities. We were founded on core values of accountability, community service and financial conservatism. Those principles are the reason we are still in business today.

Caring for people and communities is our foundation!

We've built a reputation of being financially secure and community focused. We are an independent community bank and fully intend to stay that way. We are big enough to accommodate any financial need, yet small enough to give every customer the personal treatment they deserve.

• Personal paid time off and paid holidays, as eligible
• 401K and Employee Stock Option Plan, as eligible
• Generous medical, dental, vision, life and disability insurance
• Fitness reimbursement
• Learning, development and growth opportunities

As a Commercial Loan Officer you will originate, underwrite, and close secured and unsecured commercial loans in compliance with all federal and state banking laws, regulations, and established lending policies. Proactively manage commercial relationships by developing new business, deepening existing client relationships, and generating loan, deposit, and fee-based revenue. Collaborate across business lines to deliver comprehensive financial solutions while supporting the Bank’s strategic growth objectives.

• Originate commercial loan relationships through proactive business development efforts, including frequent outside calling on clients and prospects.
• Develop, manage, and grow full banking relationships by identifying and delivering appropriate loan, deposit, treasury management, and other fee-based solutions.
• Take loan applications; interview applicants; request and analyze credit reports, financial statements, reference checks, and collateral documentation to evaluate creditworthiness and loan feasibility.
• Analyze borrower financial condition, cash flow, collateral, and risk to determine appropriate credit structure and terms.
• Compile complete and accurate loan packages and facilitate negotiations with borrowers regarding loan terms, pricing, fees, and repayment options.
• Refer loans for underwriting and approval when required and ensure loan commitments, agreements, closings, and funding are completed accurately and timely.
• Manage a portfolio of existing relationships by obtaining current financial information, monitoring credit quality, and performing ongoing risk assessments.
• Properly risk‑rate credits and escalate concerns to management when material deterioration in credit quality is identified.
• Conduct periodic client meetings to review financial performance, discuss business conditions, and uncover opportunities to expand relationships through additional products and services.
• Actively generate core deposits and fee income through treasury management, cash management, merchant services, and other applicable bank offerings.
• Partner with internal teams across business lines (Treasury Management, Retail, Wealth, Mortgage, etc.) through joint calling, referrals, and coordinated relationship strategies.
• Utilize government lending programs when appropriate to meet customer credit needs and support relationship growth.
• Maintain a working knowledge of all loan products, deposit products, and services offered by the Bank.
• Participate in collection efforts to ensure timely resolution of delinquent accounts, including restructuring repayment terms when necessary.
• Courteously assist customers with inquiries and resolve complaints related to…