Commercial Loan Officer

BancFirst

Midwest City, OK

JOB DETAILS
JOB TYPE
Full-time, Employee
SKILLS
Accounting, Banking Operations, Business Development, Business Loans, Commercial Banking, Commercial Loans, Communication Skills, Computer Skills, Credit Analysis, Diversity, Financial Analysis, Financial Ratio, Financial Services, Insurance, Keyboards, Loan Documents, Loan Policy, Loan Regulations, Loans, Merchant Services, Multilingual, Negotiation Skills, Persuasion Skills, Problem Solving Skills, Reporting Skills, Sales, Sales Prospecting, Small Business, Spanish Language, Spreadsheets, Treasury, Trend Analysis, Typing, Underwriting, Word Processing
LOCATION
Midwest City, OK
POSTED
1 day ago

LOCATION

Onsite position

BancFirst, Midwest City

5605 SE 15th St

Midwest City, OK 73110

 

 

HOURS

 

Full Time

 

POSITION SUMMARY

 

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. 

 

 

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

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.

 

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

 

 

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

 

PREFERRED SKILLS

 

Bilingual (Spanish) a plus

 

Bachelor’s Degree

 

5+ years of experience in commercial lending for a commercial bank

 

PHYSICAL REQUIREMENTS

 

Constant use of computer screens 

 

Ability to operate a computer keyboard

 

Intermittently standing, stooping, bending at the waist, walking, kneeling or crouching 


 Long periods of typing and repetitive motion


 Ability to lift and/or move and carry 5 pounds

 

Hometown service, statewide strength. BancFirst is committed to investing in the future of Oklahoma communities. BancFirst is a $14 billion bank offering personal and commercial products, trust, insurance, and investment services in sixty Oklahoma communities. Employees enjoy excellent benefits and a learning environment that allows them to continuously improve their skills to deliver highly personalized service to customers.
 EOE - BancFirst is an Equal Opportunity employer.

 

Diversity…Our differences enhance business performance.

About the Company

B

BancFirst

Oklahomans Banking Oklahoma

 

We're BancFirst. Unlike many banks these days, we've always been very clear on who we are and where we're going. Partly because we've never lost sight of where we came from.

 

First and foremost, we're proud to call ourselves an Oklahoma bank. In fact, our banking lineage goes all the way back to the Run of '89, so our roots go deep in Oklahoma soil. Over the years, BancFirst has grown from a confederation of community banks throughout the state, to a multi-bank holding company, to the largest state chartered bank in Oklahoma. Today, we have locations in small towns and large cities throughout the state.

 

When we say that we're an Oklahoma bank, we mean that our business identity has always been built around a commitment to Oklahoma and Oklahomans. That commitment has never changed and has brought us a great deal of success. Over the years it has developed into precepts that are at the very heart of our business philosophy.

 

  • We believe it's important to be actively, personally involved in the communities we serve: we participate.
  • We believe it's important to invest our resources in those communities: we keep Oklahoma dollars in Oklahoma.
  • We believe that prosperity flows from the honest effort put forth each day by each of us: we work hard.

 

There may be banks with more locations and banks with lots of offices in other states, but no bank anywhere can match our loyalty to Oklahoma. At BancFirst, we've always thought it was good business to put Oklahoma first. We still do.

 

As a prospective employee, it’s important that you understand the way we look at our business and our attitude toward our fellow Oklahomans.

 

You’ll Like Our Style

BancFirst's business "style" flows naturally out of who we are - Oklahomans. That means you can expect a friendly, helpful attitude when you work with us, as well as pride in the contribution we make every day to Oklahoma's prosperity.

 

It also means a natural preference for doing business up close and personal. While we've never been slow to take advantage of technological opportunities, we've also never lost sight of a basic banking truth: that ultimately, every banking relationship is a relationship between people. That's why so much of our business is built on long-term relationships with customers. We take the time to work with our customers at their places of business. That way, we can develop a first-hand understanding of their goals and ambitions. When you work with BancFirst, you can expect a genuine commitment to help you select the proper mix of financial tools to help you succeed.

 

Our Unique Structure Gives You Unique Advantages

Success is the result of careful decision-making which results from a forthright exchange of information. We've always believed that that kind of exchange is best made face to face, and that's why we've evolved the unique corporate structure that serves our customers so well. The BancFirst way is local empowerment: we place handpicked decision-makers in each of our banks and give them wide-ranging responsibility for their locations.

 

Our structure means you can count on access to capable professionals who have the authority to get things done for you promptly, without having to obtain approval from an out-of-state home office. That's true at every BancFirst location throughout Oklahoma, and that's not something every bank in Oklahoma can say.

 

Strength And Stability - Yesterday, Today, And Tomorrow

At the same time, we never lose sight of the fact that our asset quality is the bedrock of our success. With BancFirst, you can be confident that your business is backed by a bank with the capital strength to serve you over the long haul. We'll be here when you need us, with all the financial resources you'll need to achieve the goals you set for yourself and your business.

 

Service Is Our Top Priority

Every business poses a financial challenge that demands flexibility and responsiveness from its bank. We understand that you need quick action and unique solutions for your particular situation. In short, what you need from your bank is what you give to your customers: quality service.

 

To us, quality service is being available when you need us, with the answer or product that satisfies your need, so that you will be able to capitalize on opportunities and maximize your potential.

 

Excellence Is Standard

From the teller's window to the loan officer's desk, BancFirst has assembled a statewide network of decision-makers who pledge to give you a superior level of customer service.

 

BancFirst is a team of Oklahomans committed to banking Oklahoma today and tomorrow, just as we did yesterday.

 

Come to BancFirst and let us show you that "Oklahomans Banking Oklahoma" is more than just a slogan.

 

Our Services:

  • Personal Banking

Checking
Savings & Investments
Loans
Convenience Services

  • Commercial Banking

Checking Services
Commercial Lending
Cash Management & Electronic Banking
International Banking
Convenience Services

  • Online Banking
  • SBA Lending
  • BancTrust

Personal Trust
Employee Benefit Services
Corporate Trust
Investments
401(k) Login
Trust Custodian Login

 

We are always looking for hard-working, friendly people who are focused on quality customer service. Please contact us if you have skills that would be beneficial in the following areas:

  • Clerical
  • Management
  • Professional
  • Technical
  • Teller/Customer Service Representative

 

At BancFirst, we understand the importance of offering our employees competitive salaries, opportunities for advancement, and great benefits. If you’re interested in a career with us, we’d be happy to discuss with you in-person, our benefits, on-site amenities, company culture and work hours.

COMPANY SIZE
1,000 to 1,499 employees
INDUSTRY
Banking
FOUNDED
1989
WEBSITE
https://www.bancfirst.bank