Commercial Loan Officer II

Home BancShares
United States
Workplace: OnsiteFull timeFunction: Banking, Lending & CreditExperience: 5+ yearsEducation: bachelorsSkills: ["Communication","Critical thinking","Analytical thinking","Attention to detail"]

Extend commercial credit by evaluating applicants’ financial needs, creditworthiness, and collateral adequacy while ensuring decisions follow loan policy, laws, and bank requirements. Maintain accurate credit files and loan documentation, monitor portfolio performance, recommend risk rating changes, and manage collections for past-due loans. Prepare loan offering memorandums, approve or recommend approvals/denials within limits, and develop new business while complying with BSA/AML and other training.

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Home BancShares
Home BancShares
2 days ago

Commercial Loan Officer II

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Last checked: 6 hours agoStatus: Live

Job Summary

Extend commercial credit by evaluating applicants’ financial needs, creditworthiness, and collateral adequacy while ensuring decisions follow loan policy, laws, and bank requirements. Maintain accurate credit files and loan documentation, monitor portfolio performance, recommend risk rating changes, and manage collections for past-due loans. Prepare loan offering memorandums, approve or recommend approvals/denials within limits, and develop new business while complying with BSA/AML and other training.
Location: United States
Workplace: Onsite
Employment Type: Full time
Job Function: Banking, Lending & Credit
Seniority: Mid level

Key Responsibilities

  • •Interview commercial loan applicants and evaluate credit and financial history to authorize or recommend approval/denial.
  • •Examine and view collateral (if applicable) and prepare loan offering memorandums.
  • •Ensure loan documents are complete, accurate, and compliant with bank policy; close or decline loans timely.
  • •Monitor loan portfolio/performance, recommend changes in risk ratings, and manage past-due collections.
  • •Develop new business and manage an existing loan portfolio while completing BSA/AML and assigned compliance training.

Key Requirements

  • •Equivalent to a four-year college degree plus 5 years related lending experience.
  • •Ability to evaluate applicants’ credit and financial history to make credit decisions.
  • •Experience examining/viewing collateral (if applicable) to determine adequacy.
  • •Ability to prepare loan offering memorandums and ensure loan documents are complete and accurate per policy.
  • •Two years of experience using Microsoft Word and Excel; must have general computer skills.
Experience:5+ yearsLendingBanking
Education:Bachelor's in general business, finance, economics or accounting
Skills:CommunicationCritical thinkingAnalytical thinkingAttention to detail
Tech Stack:SpreadsheetMicrosoft WordExcelWord Processing/Typing

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