Loan Officer III - Fairbanks
Start a career with First National Bank Alaska, the *Best Place to Work in Alaska* as recognized 11 years in a row by Alaska Business magazine readers.
A loan officer manages loan applications by working directly with applicants to identify the right type of loan for their circumstances and guide them through the application process. Loan officers are also responsible for sales outreach and the behind-the-scenes-engagement with team members to move the loan through the steps including information gathering, underwriting and document execution.
We are adding a Loan Officer to our Fairbanks Team!
If you have loan officer experience, specifically in commercial lending, here's an opportunity to use your expertise in a meaningful way.
Salary: Job/salary offer would be commensurate with experience.
Schedule: Monday-Friday, some evening and weekend hours
GENERAL PURPOSE SUMMARY
Develops and maintains banking relationships and a variety of complex commercial and real estate loans based on considerable lending authority by performing the following essential duties and responsibilities:
ESSENTIAL DUTIES AND RESPONSIBILITIES
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- Analyzes existing and potential customers' banking needs, earnings, and financial conditions to determine which bank products are most appropriate, and to assess acceptable risk; approves/denies or recommends approval/denial within lending authority.
- Provides advice and service to existing customers, and generates new business by calling on prospective customers regarding the establishment of banking relationships.
- Manages existing loan portfolio; monitors and collects loan payments; modifies or extends loan terms or structure to protect bank's interest when required. Minimizes bank losses and exposure to losses.
- Follows existing lending procedures and ensures lending compliance of loan portfolio and any subordinate loan portfolios with bank and regulatory procedures, policies, and requirements, and takes corrective action when non-compliance is identified.
- Represents the bank in the community in order to identify, develop and promote additional business.
- Keeps informed about the banking industry and all bank products. Maintains awareness of competitors' products and the bank's advantage.
- May supervise less experienced Loan Officers and/or processing support staff as business needs dictate.
- Performs other work-related duties as assigned by supervisor.
- Ensure business unit’s operations comply with bank policy, procedures, and banking regulations (for business unit heads).
- Ensure you and your delegates have adequate and current compliance training, and ensure training is completed on time.
- Stay up to date on relevant laws and regulations.
- Ensure you and your delegates comply with the bank’s policies, procedures, laws, and regulations.
- Maintain customer confidence and protect the bank’s operations by identifying and protecting confidential information.
SUPERVISORY RESPONSIBILITIES
May supervise employees. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include interviewing and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems; and making recommendations regarding the hiring and terminating of employees.
QUALIFICATION REQUIREMENTS
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.
EDUCATION and/or EXPERIENCE:
Minimum: Bachelor's degree in business, accounting, finance, marketing, or related field and six years commercial, real estate, or consumer lending experience; or eight years commercial, real estate, and/or consumer lending experience; or equivalent combination of education/training and experience. Familiarity with State and Federal Loan Participation programs.
Preferred: One year supervisory experience. Marketing and/or sales experience.
OTHER SKILLS and ABILITIES:
Word processing and spreadsheet software experience required. The ability to handle highly confidential information, frequent deadlines, and time constraints required.
LANGUAGE SKILLS:
Ability to read, analyze, and interpret the most complex documents. Ability to respond effectively to the most sensitive inquiries or complaints. Ability to write speeches and articles using original or innovative techniques or style. Ability to make effective and persuasive speeches and presentations on controversial or complex topics to top management, public groups, and/or boards of directors.
MATHEMATICAL SKILLS:
Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane and solid geometry and trigonometry. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.
REASONING SKILLS:
Ability to define problems, collect data, establish facts, draw valid conclusions, and make decisions based on those conclusions. Ability to interpret an extensive variety of technical instructions in, mathematical or diagram form and deal with several abstract variables.
PHYSICAL DEMANDS
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.
While performing the duties of this job, the employee is regularly required to talk and hear. The employee is frequently required to stand; walk; sit; use hands to finger, handle, or feel objects, tools, or controls; reach with hands and arms. The employee is occasionally required to stoop, kneel, crouch, or crawl.
The employee must occasionally lift and/or move up to 50 pounds. Specific vision ability required by this job includes close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.
WORKING CONDITIONS
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.
The noise level in the work environment is usually moderate.
Some travel to remote sites via automobile or plane may be necessary. Must be willing to relocate to branches statewide.
