Loan Officer
Job Type

***This position is located in our Nevada, Iowa location***

EEO/AA employer


This position is responsible for generating, approving, and maintaining quality business and agriculture loans for the bank’s portfolio. 



  1. Handles all loan applications      within an acceptable customer service and regulatory timeframe
  2. Maintain loan quality by striving      for low incidence of incomplete documentation or regulatory violation
  3. Analyze complex credit      applications
  4. Work with customers through      difficult/complicated issues that may arise
  5. Handle collections on delinquent      loans; monitor the quality of existing loans
  6. Perform consumer lending duties
  7. Approve or deny loan applications
  8. Will remain current with lending      laws and regulations, along with products and services offered by      competitors and other vendors
  9. Make recommendations for new loan      products and services
  10. Adhere to bank policy, procedures      and all lending laws and regulations
  11. Maintain a high level of customer      confidence


  • High school diploma or equivalent      required 


  • One to three      years in the banking or lending environment preferred but not required

Other Skills and Abilities

  • Strong math skills; add, subtract,      multiply and divide in all units of measure
  • Working knowledge of Word, Excel, and      Outlook
  • Exceptional oral, written, and      interpersonal communication skills with the ability to apply common sense      to carry out instructions and instruct others, interpret documents,      understand procedures, write reports and correspondence, speak clearly to      customers and employees
  • Exceptional organizational and time      management skills; ability to function well in a fast-paced environment
  • Working knowledge of loan policies and      procedures
  • Assumes a leadership role in community      projects and activities
  • Accepts a leadership role within the bank      and participates in bank promotions and activities
  • Must have a valid driver’s license and      reliable transportation

CompetenciesTo perform the job successfully, an individual should demonstrate the following competencies:

  • Accountability – will      follow through on what he/she says they will do; holds others accountable      in the workplace
  • Analytical -      collects and researches data; uses intuition and experience to complement      data; designs workflows and procedures as necessary. 
  • Problem      Solving - identifies and resolves problems in a timely manner;      gathers and analyzes information skillfully; ability to deal with complex      problems involving multiple facets and variables in non-standardized      situations.
  • Project      Management -      coordinates projects; communicates changes and progress; completes      projects on time and budget. 
  • Technical      Skills - assesses      own strengths and weaknesses; pursues training and development      opportunities; strives to continuously build knowledge and skills; shares      expertise with others.
  • Oral      Communication - speaks clearly and persuasively in positive or negative      situations; listens and gets clarification; responds well to questions;      demonstrates group presentation skills; participates in meetings. 
  • Teamwork - balances      team and individual responsibilities; exhibits objectivity and openness to      others' views; gives and welcomes feedback; contributes to building a      positive team spirit; recognizes how his/her actions impact others.
  • Leadership - exhibits      confidence in self and others; inspires and motivates others to perform      well.
  • Written      Communication - writes clearly and informatively; edits work for spelling      and grammar; varies writing style to meet needs; presents numerical data      effectively; able to read and interpret written information.
  • Ethics - inspires      the trust of others; works with integrity and ethically; upholds      organizational values. 
  • Organizational      Support - follows policies and procedures. 
  • Adaptability - adapts to      changes in the work environment; changes approach or method to best fit      the situation.
  • Attendance/Punctuality -is consistently at work and on time;      ensures work responsibilities are covered when absent; arrives at meetings      and appointments on time. 
  • Dependability - responds to management direction; accepts      responsibility for own actions; completes tasks on time or notifies appropriate      person with an alternate plan.
  • Judgment - exhibits sound and accurate judgment;      supports and explains reasoning for decisions; includes appropriate people      in decision-making process.
  • Planning/Organizing - prioritizes and plans work activities;      uses time efficiently; sets goals and objectives.
  • Professionalism - approaches others in a tactful manner;      reacts well under pressure; treats others with respect and consideration      regardless of their status or position; follows through on commitments. 
  • Quality - demonstrates accuracy and      thoroughness; looks for ways to improve and promote quality; applies      feedback to improve performance; monitors own work to ensure quality.
  • Initiative – is a self-starter; seeks out new tasks      and expands abilities; works for the better needs of the business, not      just his/her own position.
  • Growth      and Customer Focus – provides      excellent customer service to everyone; supports business and revenue      growth; focuses on opportunities to suggest new services to customers. 

WORKING CONDITIONSWork is performed largely within the Bank with limited chance for personal injury.The following physical and mental requirements must be met to perform the essential functions of this position: Frequently communicate with employees and other parties by phone, email and/or in person; can exchange accurate information in these situations. Constantly operates a computer and other office equipment such as a calculator, copy machine, and printer. Frequently move inside the office to access files or office equipment. Occasionally lift and/or move up to 50 pounds of office supplies and equipment. Some bending, turning, and twisting required. Required to sit for prolonged periods of time and reach with hands and arms. Specific vision abilities required by this job include close vision, distance vision, peripheral vision, depth perception and ability to adjust focus. Periodic stressful situations in response to multiple priorities within established deadlines. Work hours are generally during normal business hours. Unscheduled evening and weekend work may be needed to meet the needs of customers and employees. Drive to/from and work in multiple branches/locations as needed.  


This position description describes the general nature and level of work performed by the employee assigned to this position and should not be interpreted as all inclusive. It does not state or imply that these are the only duties and responsibilities assigned to the position. The employee may be required to perform other job-related duties. All requirements are subject to change and to possible modification to reasonably accommodate individuals with a disability. 

This position description does not constitute an employment agreement between the Bank and employee and is subject to change by the employer as the needs of the Bank and requirements of the position change.