Job Description
DESCRIPTION Position Summary: Responsible for developing new business, structuring and closing loans, maintaining and servicing a loan portfolio, and cross selling bank products based on customer needs. Must represent the bank through active participation in community organizations and affairs.
Job Responsibilities: • Generate new clients and referrals through strong relationship building
• Generate and close consumer, commercial, and SBA/USDA loans to achieve production goals
• Work directly with clients to review agreements, explain programs, negotiate loans and terms, and compute payment schedules
• Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans
• Obtain and compile copies of loan applicants' credit histories, financial statements, and other financial information
• Review loan agreements to ensure that they are complete and accurate
• Submit applications to credit analysts for verification and recommendation
• Community involvement to promote bank products and services
• Ensure timely loan closing and funding activities
• Maintain a positive working relationship with customers, bank staff, local professionals, centers of influence, and community organizations
• Manage loan portfolio including renewals, modifications, updated credit analysis, collections, and portfolio monitoring
• Cross-sell bank services by recognizing the needs of customers
• Perform field work as necessary to locate and collect delinquent loan payments or secure collateral
• Daily review, approval, and disposition of commercial overdrafts
• Attend loan closings
• Meet customers on projects and inspect collateral
• Detect early warning signs of problem loans and immediately notifying supervisor
• Assist customers and/or branch personnel as needed with questions pertaining to loan information
• Consistently support the Bank and its core values
• Follow all policies and procedures
• Additional duties may be assigned by supervisor
REQUIREMENTS - High school diploma or equivalent
- A Bachelor's Degree in Business, with a major in Administration, Finance, or related field preferred
- 5+ years commercial lending experience
- SBA/USDA lending experience preferred
- NMLS Certification
American Bank is built on a commitment to treating both our customers and employees like family, and we take pride in being a true community bank. As a locally focused institution, we are deeply invested in the communities we serve-supporting local businesses, building lasting relationships, and contributing to the growth and well-being of our neighbors. Our decisions are guided by a personal understanding of our customers' needs and a genuine desire to make a positive, local impact.
We value dedication and innovation, fostering an environment where every employee understands their importance and shares in the success of the organization. At American Bank, you'll have the opportunity to grow your career while enjoying a supportive, team-oriented workplace, competitive compensation and benefits, and the chance to make a meaningful difference in the communities we call home.
American Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, pregnancy, genetic information, disability, protected veteran status, or any other protected category under applicable law.
Benefits: • Medical, Dental, and Vision Insurance
• Company Provided Life and Disability Insurance
• Paid Time Off
• Robust referral incentive program
• 401(k) with Employer Match
• Tuition and Professional Development Assistance
Job Tags
Bank staff, Local area, Immediate start