Senior Commercial Loan Officer

Home BancShares
United States
Workplace: OnsiteFull timeFunction: Banking, Lending & CreditExperience: 7+ yearsEducation: bachelorsSkills: ["Communication","Analytical thinking","Critical thinking","Problem-solving"]

Extend commercial credit in line with bank loan policy by evaluating applicants’ financial needs, creditworthiness, and collateral adequacy. Maintain accurate credit files and loan documentation, assign risk ratings, monitor loan portfolio performance, and recommend or approve actions within authority. Interview borrowers, prepare loan offering memoranda, close or decline loans, manage past-due collections, and support workout programs while ensuring compliance with laws, regulations, and BSA/AML training.

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Home BancShares
Home BancShares
2 months ago

Senior Commercial Loan Officer

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Source: Company careers pageValidated by: Fursa AI
Last checked: 20 hours agoStatus: Live
Reposted: similar role first listed 2 months ago

Job Summary

Extend commercial credit in line with bank loan policy by evaluating applicants’ financial needs, creditworthiness, and collateral adequacy. Maintain accurate credit files and loan documentation, assign risk ratings, monitor loan portfolio performance, and recommend or approve actions within authority. Interview borrowers, prepare loan offering memoranda, close or decline loans, manage past-due collections, and support workout programs while ensuring compliance with laws, regulations, and BSA/AML training.
Location: United States
Workplace: Onsite
Employment Type: Full time
Job Function: Banking, Lending & Credit
Seniority: Manager level

Key Responsibilities

  • •Extend credit according to loan policy by evaluating applicants’ financial needs, creditworthiness, and collateral adequacy.
  • •Maintain current credit files and ensure loan documents are complete, accurate, and compliant with policy, laws, and regulations.
  • •Assign and monitor credit/risk ratings, including identifying and reporting deterioration in loan quality and recommending changes.
  • •Prepare loan offering memoranda, approve or recommend approval/denial within limits, and close or decline loans in a timely manner.
  • •Manage and monitor a loan portfolio, including collecting past-due payments, coordinating collections/workout programs for problem loans, and developing loan market prospects.
Travel: Low travel

Key Requirements

  • •Equivalent to a four-year college degree plus 7 years related experience and/or training, or equivalent combination of education and experience.
  • •6 years related management experience.
  • •Ability to interview commercial loan applicants and analyze financial history and credit standing.
  • •Ability to understand financial reports and legal documents and respond to complex inquiries from customers and regulatory agencies.
  • •Ability to calculate figures and apply ratios and percentages to practical lending scenarios.
Experience:7+ years
Education:Bachelor's
Skills:CommunicationAnalytical thinkingCritical thinkingProblem-solving

Company Brief

Home BancShares
Bank holding company that operates Centennial Bank and provides commercial and consumer banking services, including lending, deposits, treasury management, and online banking. Serves individuals, businesses, and public entities across the southern United States.
Industry: Banking
Company Size: Enterprise (1,001+ employees)
Revenue: USD 1B+
Growth: Public Company
Valuation: Public Company (Market Cap in USD)
Funding: IPO / Publicly Listed
Headquarters: Conway, United States
Founded: 1998
WebsiteLinkedIn