Responsive recruiter
Benefits:
- Paid time off
- 401(k)
- 401(k) matching
- Bonus based on performance
- Competitive salary
SUMMARY:
The Correspondent Lending Officer is responsible for soliciting, negotiating, making, and servicing commercial loans and loan participations purchased and sold in accordance with the Bank’s lending policies, procedures and goals; develops business relationships with correspondent banks and their lending staff; promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services. This position assists in attaining established regional and enterprise-wide goals through active participation in sales management and officer call programs, and is expected to provide leadership, training and support to less experienced loan officers and other staff members. The Correspondent Lending Officer assures compliance with all Bank policies and procedures and all applicable state and federal banking regulations.
The Correspondent Lending Officer is responsible for soliciting, negotiating, making, and servicing commercial loans and loan participations purchased and sold in accordance with the Bank’s lending policies, procedures and goals; develops business relationships with correspondent banks and their lending staff; promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services. This position assists in attaining established regional and enterprise-wide goals through active participation in sales management and officer call programs, and is expected to provide leadership, training and support to less experienced loan officers and other staff members. The Correspondent Lending Officer assures compliance with all Bank policies and procedures and all applicable state and federal banking regulations.
ESSENTIAL DUTIES & RESPONSIBILITIES:
1. Engages in business development activities and solicitation of new loan business from correspondent banks; actively involved in instilling and maintaining a positive sales environment through education of the customer on the Bank’s products, services, and capabilities.
2. Visits prospective selling banks of loan participations and requests specific information related to loan participation opportunities or credit requests; corresponds and/or re-visits the lead bank or applicants to resolve questions regarding application information.
3. Performs pre-qualification assessment and analysis of financial condition and risk of loan requests within framework of Bank credit culture and current economic and industry trends; works closely with credit analyst(s) in compiling appropriate documentation for underwriting of loan requests.
4. Works closely with Chief Credit Officer and solicits guidance and input on an ongoing basis related to lending practices and the Bank’s policies, procedures, and risk tolerances.
5. Gathers and analyzes all information necessary to present loan request(s) to senior management or loan committee for approval; meets with originating bank to discuss existing or potential loan participation opportunities; visits borrower’s place of business or examines collateral when appropriate or necessary; negotiates loan terms and conditions; risk rates all loans presented for consideration; recommends approval to appropriate lending authorities.
6. Reviews loan packages to ensure the correct information is obtained prior to processing of the loan; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements.
7. Participates in weekly Executive Loan Committee meetings
8. Ensures that credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved.
9. Ensures that certification or deletion of collateral is made by the appropriate personnel.
10. Negotiates and processes renewals of credit facilities.
11. Approves loan payments, draws from lines of credit, and fund transfers within specified limits.
12. Authorizes commitment, engagement, and decline letters.
13. Updates and corresponds with legal counsel, originating banks, participants and borrowers on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken.
14. Develops and maintains knowledge of financial industry, economy, market conditions, rates, vendors and competition.
15. Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees.
16. Consistently applies good decision-making techniques pertaining to inquiries, approvals, requests as they apply to existing policies and procedures, keeping within assigned approval limits and using these instances as learning tools for employee development.
17. Represents the Bank at professional and customer relations functions to further enhance the Bank’s image and develop additional business; assists the Bank in establishing and maintaining market position in the correspondent banking arena.
18. Other as assigned.
1. Engages in business development activities and solicitation of new loan business from correspondent banks; actively involved in instilling and maintaining a positive sales environment through education of the customer on the Bank’s products, services, and capabilities.
2. Visits prospective selling banks of loan participations and requests specific information related to loan participation opportunities or credit requests; corresponds and/or re-visits the lead bank or applicants to resolve questions regarding application information.
3. Performs pre-qualification assessment and analysis of financial condition and risk of loan requests within framework of Bank credit culture and current economic and industry trends; works closely with credit analyst(s) in compiling appropriate documentation for underwriting of loan requests.
4. Works closely with Chief Credit Officer and solicits guidance and input on an ongoing basis related to lending practices and the Bank’s policies, procedures, and risk tolerances.
5. Gathers and analyzes all information necessary to present loan request(s) to senior management or loan committee for approval; meets with originating bank to discuss existing or potential loan participation opportunities; visits borrower’s place of business or examines collateral when appropriate or necessary; negotiates loan terms and conditions; risk rates all loans presented for consideration; recommends approval to appropriate lending authorities.
6. Reviews loan packages to ensure the correct information is obtained prior to processing of the loan; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements.
7. Participates in weekly Executive Loan Committee meetings
8. Ensures that credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved.
9. Ensures that certification or deletion of collateral is made by the appropriate personnel.
10. Negotiates and processes renewals of credit facilities.
11. Approves loan payments, draws from lines of credit, and fund transfers within specified limits.
12. Authorizes commitment, engagement, and decline letters.
13. Updates and corresponds with legal counsel, originating banks, participants and borrowers on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken.
14. Develops and maintains knowledge of financial industry, economy, market conditions, rates, vendors and competition.
15. Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees.
16. Consistently applies good decision-making techniques pertaining to inquiries, approvals, requests as they apply to existing policies and procedures, keeping within assigned approval limits and using these instances as learning tools for employee development.
17. Represents the Bank at professional and customer relations functions to further enhance the Bank’s image and develop additional business; assists the Bank in establishing and maintaining market position in the correspondent banking arena.
18. Other as assigned.
OTHER REQUIREMENTS:
- Located in the Southeast region of the U.S.
- ability to travel frequently to customer/prospect banks
- prior correspondent or commercial lending experience
This is a remote position.
We are an equal opportunity employer and 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, status as a protected veteran, or any other protected category under applicable federal, state, and local laws.
First National Bankers Bank
Community banks throughout the United States turn to First National Bankers Bankshares, Inc. and its subsidiaries, First National Bankers Bank, FNBB Services Corp., FNBB Capital Markets, LLC and FNBB Insurance Agency, LLC for solid, reliable correspondent bank services. FNBB, Inc. has demonstrated its commitment to the future of community banking through investments in technology and programs that allow us to deliver an ever expanding range of services to the community banks we serve.
Mission Statement
FNBB, Inc. is organized to be a profitable and well capitalized financial services corporation providing high-quality correspondent services which facilitate the success and growth of our shareholders and clients. We are focused on serving the management and financial needs of community financial institutions in the United States.
SERVICE BEYOND COMPARISON
Our goal is to provide correspondent products and services at competitive pricing to help community bankers streamline their operations and build their business. We are able to meet this goal by achieving economies of scale and passing the savings on to our customers. Our commitment to the future of community banking is evidenced through our investments in technology and programs that allow us to deliver an ever-expanding range of services to you.
First National Bankers Bankshares, Inc. (the “Company”) is an equal opportunity employer dedicated to a policy of compliance with all federal, state and
local laws regarding non-discrimination in employment. As an Equal Opportunity employer, all applicants are considered without regard to race, color,
religion, gender, national origin, age, sexual orientation, disabilities, veteran status or any other protected status where otherwise qualified.
If you’d like to view a copy of our equal employment opportunity policy statement(s), please email HumanResources@bankers-bank.com. If you are an individual with a disability and would like to request a reasonable accommodation as part of the employment selection process, please contact HumanResources@bankers-bank.com or 225-231-5001. This telephone line and email address is reserved for job seekers with disabilities requesting accessibility assistance or an accommodation in the job application process. Please do not call about the status of your job application if you do not require accessibility assistance or an accommodation. Messages left for other purposes, such as following up on an application or non-disability related technical issues, may not receive a response.
Company Website: www.bankers-bank.com
