Commercial Loan Officer

BancFirst Corporation • Del City, OK

15h • Onsite

About The Position

The Commercial Loan Officer is primarily responsible for making and servicing business and individual loans that involve significant amounts of both secured and unsecured loans which could be complex in nature. Handles both large and small credits.

Requirements

• Extensive knowledge and understanding of commercial lending practices
• Advanced knowledge of accounting principles and practices
• Demonstrated capacity to sell products/services within the financial services industry
• Extensive understanding of credit underwriting, documentation, loan policy, and regulations
• Extensive knowledge of financial analysis including ratio and trend analysis and projections
• Specialized knowledge of the Oklahoma City Market
• Excellent communication skills with the ability to prepare and deliver persuasive verbal and written reports and presentations
• Efficient computer skills including knowledge of word processing, spreadsheet applications, and financial analysis

Nice To Haves

• Bilingual (Spanish) a plus
• Bachelor’s Degree
• 5+ years of experience in commercial lending for a commercial bank

Responsibilities

• Monitors and manages existing credit relationships which include note renewals, reviewing and detailed analysis of current financial statements, and collateral valuations, credit analysis, cash flow analysis, delinquency reporting, documenting exceptions, and covenant monitoring; compiles report necessary to monitor asset and credit quality and compliance with policy/regulation.
• Negotiates loan proposals; analyzes and evaluates credit requests and writes loan commitments; recommends appropriate credit grade; makes written loan memos/presentations for credit approval; implements approval or declination action.
• Develops new business through identifying and calling on existing or prospective customers; promotes and cross-sells Bank’s services; works with Bank operation areas to ensure that quality service is provided.
• Facilitates resolution of operational problems for customers within the operational areas of BancFirst Mid-Del.
• Serves as the primary linkage and referral source for all financial services to the individual client with BancFirst (i.e., Treasury Services, BancFirst Insurance Services, SBA Department, merchant services and Trust).
• Participates in community and professional activities in order to enhance Bank’s image and expand personal network of contacts for development of new business.
• Perform other job related duties and projects as assigned.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level