Salary between $66,213 - $110,355

Benefits Eligible - Paid Holidays Off - Vacation & PTO

Position Summary

Solicits and services a variety of smaller commercial and/or agricultural loans. Interviews applicants and obtains information regarding earnings and financial condition to evaluate the applicant's creditworthiness. Approves or denies loan within established limits or refers loan to designated members of Senior Management for approval. May assist more experienced loan officers with larger or more complex loans. Works on projects/matters of limited complexity in a support role. Work is closely managed.

Commercial Lender II – Manages a portfolio of up to 200 notes consisting of small business and/or agricultural loans, and smaller/noncomplex CRE loans, with average total loan portfolio balances of $10MM to $20MM, and has yet to demonstrate consistent business development skills. Annual new loan generation of $1MM plus

Essential Job Functions include but are not limited to:

• Engage in business development activities and solicitation of new business; actively involved in instilling and maintaining a positive sales environment through education of the Bank’s products and services
• Gather and analyze all information necessary to present a financing request to Senior Management for approval; meet with existing or potential customers; visit sites of loans; negotiate loan terms and conditions; approve loans within established lending limits or refer and recommend approval to designated members of Senior Management and/or the Chief Credit Officer
• Coordinate processing of approved loans; ensure loans are processed according to agreement, customer needs and conform to Bank lending policies; obtain sufficient information and/or documentation from customers; solve problems and ensure maintenance relative to processing and servicing of loans within his or her portfolio; approve loan disbursements in accordance with agreements; Negotiate, underwrite and process renewals of credit facilities
• Authorize commitment, engagement, auction, and decline letters
• Develop and maintain knowledge of financial industry, economy, market conditions, rates, vendors and competition.
• Responsible for meeting annual loan and deposit growth goals assigned by Senior Management
• Assume responsibility for special projects; gathers data and prepares reports for Senior Management, audits and other personnel
• Review NSF and overdraft reports for customers assigned within his or her portfolio; approve or decline such exceptions within established lending limits

Essential Job Requirements

• All employees must be able to interact in a friendly and courteous manner with customers and coworkers in order to foster a positive environment of mutual trust and respect.
• Maintain confidentiality of all customer and employee information
• Demonstrate attention to detail and produce accurate, high-quality work
• Produce an amount of work that meets or exceeds job expectations
• Fully utilize systems, tools, training and resources provided to maximize potential
• Accept feedback and redirection politely and professionally
• Assist other departments as needed
• Demonstrate regular attendance and punctuality
• Positively represent and promote the Company within the community
• Make calls on customers and non-customers to develop new business and to enhance relationships with existing customers
• Participate in various professional associations (exempt-employees) and community activities to support the Company's mission and vision and to further personal development

Education and Experience

• Bachelors degree in related curriculum preferred or combination of education and experience
• 1 year's experience in related field preferred

Physical Requirements

• Regularly: talking, hearing
• Frequently: standing, walking, feeling/touching, vision - close, peripheral, depth, ability to adjust focus
• Occasionally: sitting, climbing and/or balancing, reaching with arms and hands, stooping, kneeling, crouching, and/or crawling, lifting objects up to 30 pounds

Heartland Bank and Trust Company is an Equal Opportunity Employer, including disability/vets.