Loan Relationship Officer

Loan Relationship Officer

Apex Bank is seeking a qualified candidate for a Loan Relationship Officer to join our team in Camden, Tennessee. As a premier community bank with branches statewide, we are looking for a dedicated professional who is eager to learn and grow their career with us.

Job Description

The Loan Relationship Officer is responsible for developing, managing, and growing a portfolio of loan clients while delivering exceptional financial solutions tailored to each client's needs. This role serves as the primary point of contact between the financial institution and its borrowing clients, balancing business development activities with sound credit analysis and ongoing relationship management.

Key Responsibilities

Business Development

• Proactively identify and solicit new loan business through networking, referrals, community involvement, and direct outreach.
• Build and maintain a robust pipeline of prospective borrowers across commercial, consumer, and/or mortgage lending segments.
• Cross-sell other bank products and services (deposits, treasury management, insurance, etc.) to deepen client relationships.
• Represent the institution at community events, industry associations, and business functions.

Loan Origination & Credit Analysis

• Interview applicants to gather financial information and assess borrowing needs.
• Analyze financial statements, tax returns, credit reports, and other documentation to evaluate creditworthiness.
• Structure loan proposals that balance client needs with the institution's risk appetite and lending guidelines.
• Prepare and present credit packages to underwriters or loan committees for approval.
• Ensure all loan applications comply with applicable laws, regulations, and internal policies (e.g., HMDA, CRA, BSA/AML, ECOA).

Portfolio Management

• Actively monitor and manage an assigned portfolio of existing loan relationships.
• Conduct regular client reviews to identify changes in financial condition or borrowing needs.
• Track covenant compliance, financial reporting requirements, and loan covenants.
• Identify and escalate early warning signs of credit deterioration in a timely manner.
• Collaborate with credit risk and collections teams to resolve delinquencies and problem loans.

Client Relationship Management

• Serve as a trusted financial advisor to clients, providing guidance on financing options and solutions.
• Respond promptly to client inquiries, concerns, and service requests.
• Maintain regular contact with clients to strengthen relationships and identify new opportunities.
• Ensure a seamless and professional client experience throughout the loan lifecycle.

Preferred Qualifications

Education

• High School Degree for Greater
• Formal credit training or a commercial lending certification a plus (e.g., RMA Credit Risk Certification) is a plus.

Experience

• Minimum 3–5 years of experience preferred in commercial, consumer, or mortgage lending.
• Demonstrated track record of business development and meeting or exceeding loan production goals.
• Experience with financial statement analysis and credit underwriting preferred.

Skills & Competencies

• Strong analytical and critical thinking skills with attention to detail.
• Excellent verbal and written communication skills.
• Ability to build rapport and establish trust with clients and internal stakeholders.
• Proficiency with loan origination systems (LOS), CRM platforms, and MS Office Suite.
• Sound knowledge of lending regulations and compliance requirements.
• Self-motivated with strong organizational and time management skills.
• Ability to manage multiple priorities in a fast-paced environment.

Performance Metrics

• Loan origination volume and portfolio growth targets
• Portfolio quality (delinquency rate, charge-off rate)
• Client retention and satisfaction scores
• Cross-sell and deposit growth goals
• Compliance and audit ratings

Working Conditions

• Primarily office-based with regular travel for client calls and community activities.
• Standard business hours with occasional evening or weekend commitments for networking events.
• May require periodic visits to borrower business sites or properties.

Compensation and Benefits:

• Competitive Salary, Based Upon Experience
• Health Benefits: Medical, Dental, & Vision
• 401K with Company Matching
• Paid Time Off
• Monday to Friday Work Schedule

We are an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.