Loan Officer III - Fairbanks

GENERAL PURPOSE SUMMARY Develops and maintains banking relationships and a variety of complex commercial and real estate loans based on considerable lending authority by performing the following essential duties and responsibilities: ESSENTIAL DUTIES AND RESPONSIBILITIES Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Analyzes existing and potential customers' banking needs, earnings, and financial conditions to determine which bank products are most appropriate, and to assess acceptable risk; approves/denies or recommends approval/denial within lending authority. Provides advice and service to existing customers, and generates new business by calling on prospective customers regarding the establishment of banking relationships. Manages existing loan portfolio; monitors and collects loan payments; modifies or extends loan terms or structure to protect bank's interest when required. Minimizes bank losses and exposure to losses. Follows existing lending procedures and ensures lending compliance of loan portfolio and any subordinate loan portfolios with bank and regulatory procedures, policies, and requirements, and takes corrective action when non-compliance is identified. Represents the bank in the community in order to identify, develop and promote additional business. Keeps informed about the banking industry and all bank products. Maintains awareness of competitors' products and the bank's advantage. May supervise less experienced Loan Officers and/or processing support staff as business needs dictate. Performs other work-related duties as assigned by supervisor. COMPLIANCE EXPECTATIONS Ensure business unit’s operations comply with bank policy, procedures, and banking regulations (for business unit heads). Ensure you and your delegates have adequate and current compliance training, and ensure training is completed on time. Stay up to date on relevant laws and regulations. Ensure you and your delegates comply with the bank’s policies, procedures, laws, and regulations. Maintain customer confidence and protect the bank’s operations by identifying and protecting confidential information. SUPERVISORY RESPONSIBILITIES May supervise employees. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include interviewing and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems; and making recommendations regarding the hiring and terminating of employees.