Commercial Loan Officer

First Bank and Trust is seeking a Commercial Loan Officer for our Kingsport, TN office. This individual will work directly with the Kingsport City Executive with a focus on developing and maintaining a loan portfolio consisting of commercial and consumer loans. The ideal candidate will have experience in Lending (Commercial and Consumer) and financial underwriting. Ten years or more of related banking experience is preferred.

For more information go to www.firstbank.com/about/join-our-team

POSITION SUMMARY: Extends credit to businesses and individuals. Originates commercial loans, real estate, and consumer loans, determines creditworthiness, and makes recommendations for grant of same. Reviews and analyzes financial statements, tax returns, business plans and other pertinent information. Has loan authority and presents loans to the bank loan committee. Refers business to other divisions within the bank including Commercial Deposit Services and First Trust & Wealth Management. Participate in sales, marketing and strategic planning to expand First Bank & Trust’s lending and deposit opportunities in the Kingsport Market Area.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Responsible for developing and maintaining a personal commercial loan portfolio.
• Interviews applicants to develop credit and financial information to determine if a loan is an acceptable risk. Processes and approves or rejects loans.
• Consults with customers to provide financial advice and to obtain current credit and financial information as needed.
• Works to attract new loan and business customers. Represents the bank in the community to develop business and promote FB&T.
• Identifies and explores business development opportunities within the community through bank customers, business owners, real estate investors, builders, realtors, attorneys, accountants, etc.
• Prepare and present loan requests to the credit committee for approval.
• Manages the outstanding loan portfolio relating to maintenance, modifications, and renewals on existing credits.
• Monitors the asset quality of the commercial loan portfolio including authorizing credit and maintaining appropriate underwriting standards. Monitors and supports the loan portfolio relating to origination, billing, outstanding balances, delinquencies, charge offs, fee income, interest income and return on assets.
• Adheres to regulatory compliance, governing documentation, record keeping, origination, collection laws and regulatory reports.
• Correspond with Title Company, loan processors, underwriters, and realtors for real estate transactions.
• Cross sells bank products and services

MINIMUM EDUCATION AND EXPERIENCE:

• Bachelor’s Degree - Accounting, Business and/or Finance
• Work Experience may be considered in lieu of a Bachelor’s Degree
• Ten or more years of related banking experience

MINIMUM SKILLS AND ABILITIES:

• Excellent communication skills, both written and verbal.
• Working knowledge of Word and Excel
• Strong leadership and interpersonal skills.
• Math and accounting skills

COMPLIANCE: The employee has the responsibility to acquire and maintain the required knowledge of State and Federal Banking regulations and policies and those regulations and policies inherent to position requirements.

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 and sit. The employee is occasionally required to reach with hands and arms. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision.

WORK ENVIRONMENT: Typical office environment, travel to customer’s location and branches in the region.

CONFIDENTIALITY: Confidential information concerning a customer, system, design, program or product unique to First Bank & Trust Company shall not be used for personal gain. Such information shall not be revealed to any person outside the Bank without the consent of the individual or organization involved or as otherwise permitted by law.

The statements on this job description are intended to describe the general nature and level of work being performed. They are not intended to be an exhaustive list of all responsibilities, duties, and skills required. Employees may perform other duties as assigned. In addition, all First Bank and Trust employees are expected to:

• Promote teamwork and cooperative effort.
• Help train and give guidance to other employees.
• Maintain a clean, safe, and unobstructed work area.
• Provide customers with the highest quality of products and service.
• Understand and apply appropriate quality improvement processes.
• Comply with corporate policies and procedures.

First Bank and Trust is an Equal Opportunity Employer EOE/AA/M/F/Disabled/Veteran