Reports to: Market President/VP Commercial Loans FLSA Classification: Exempt
Effective Date: July 28, 2023 Salary Range: $70,000 – $150,000 (annual)
Job Summary: The Loan Officer will actively pursue new business relationships and participate in the business development activities of the bank with a focus on deposit and loan growth. They will be responsible for analyzing, structuring and monitoring commercial loans in their portfolio. Production expectations will be set upon hire.
Supervisory Responsibilities: None
Duties/Responsibilities:
Maintains a robust referral network in the local banking community with builders, real estate agents, and other related businesses in order to grow a profitable loan and deposit portfolio.
Maintains pipeline and proactive call logs to be submitted to the board of directors.
Examines loan applications for creditworthiness, participates in underwriting and documentation of the credit; determines or makes recommendations regarding approval or denial/modification of requested loan.
Approves or, when outside pre-approved lending limits, presents to loan committee for management analysis and decision.
Participates in the management of the loan portfolio, including but not limited to, monitoring credit quality, perform site visits/collateral inspections, extension requests, and ensures annual reviews are completed in a timely manner.
Assist as needed with day to day bank activities within the branch.
Performs other related duties as assigned.
Required Skills/Abilities:
Excellent verbal and written communication skills.
Excellent interpersonal and customer service skills.
Excellent organizational skills and attention to detail.
Excellent time management skills with a proven ability to meet deadlines.
Strong analytical and problem-solving skills.
Computer skills
Drive to collateral inspections
Compliance Requirements:
Ensure Compliance with all internal controls and established policies and procedures.
Education and Experience:
Bachelor’s degree in Accounting, Business or related field preferred; or accounting-related work experience may be substituted for degree.
Bank financial institution accounting experience preferred.
Experience with computerized spreadsheet programs required.
Experience with an automated accounting software program is preferred.
Physical Requirements:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Prolonged periods sitting at a desk and working on a computer.
Must be able to lift up to 15 pounds at times.
Must be able to travel at times.
Must be available outside of bank hours for special community events and networking
Benefits:
Paid time Off
Sick Time Off
Medical, Dental, and Vision
$30,000 Employer Paid Life Insurance Policy
Voluntary Life, Short Term and Long Term Disability
Flexible Spending Account (FSA), Health Savings Account (HSA) Must Enroll into Medical Plan for Eligibility, and Health Reimbursement Account (HRA)
401k
Employee Stock Ownership Plan
Qualifications: Must meet FDIC standards and Bank requirements; must comply with all company policies, including its handbook, and maintain the ability to meet like standards and requirements throughout term of employment.
Affirmative Action / EEO Statement: High Country Bank is an Equal Opportunity Employer that does not discriminate on the basis of actual or perceived race, creed, color, religion, alienage or national origin, ancestry, citizenship status, hair texture, hair type, or a protective hairstyle that is commonly or historically associated with race, age, disability or handicap, sex, marital status, veteran status, sexual orientation, genetic information, arrest record, or any other characteristic protected by applicable federal, state or local laws. Our management team is dedicated to this policy with respect to recruitment, hiring, placement, promotion, transfer, training, compensation, benefits, wage rates, pay practices, employee activities and general treatment during employment. High Country Bank will endeavor to make a reasonable accommodation to the known physical or mental limitations of qualified employees with disabilities unless the accommodation would impose an undue hardship on the operation of the Bank. If you need assistance to perform your job duties because of a physical or mental condition, please let the VP of Human Resources know. High Country Bank will endeavor to accommodate the sincere religious beliefs of its employees to the extent such accommodation does not pose an undue hardship on the operation of the Bank. If employees wish to request an accommodation, they should contact the VP of Human Resources.
Any employees with questions or concerns about this policy or who experiences or observes any violation of this policy should report it immediately to the VP of Human Resources. High Country Bank prohibits any form of retaliation against individuals who, in good faith, report such matters or participate or cooperate in their investigation. If employees feel they have been subjected to any such retaliation, they should contact the VP of Human Resources. Violation of this policy including any improper retaliatory conduct will lead to discipline, up to and including termination. All employees must cooperate with investigations under this policy.
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