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Loan Officer job description -Commercial provides a free database of job descriptions.  Whether you are writing a job description, need to better understand a job, or are thinking abut your career, is for you

Job Summary

Main responsibilities-Loan Officer job description

Knowledge, Skills and Abilities-Loan Officer job description

Loan Officer job description

This position is responsible for generating and closing commercial loans.  Duties include interviewing loan applications, completing loan documentation, and communicating the business decision regarding acceptance or denial to applicants.  This position will maintain a loan portfolio of 25-80 million dollars.  Work is performed under general supervision from the Senior Vice President of Lending.

Interviews commercial loan applicants; reviews all required disclosures; completes loan applications and obtains signatures.  Generate new business customers each year.


Reviews business plans, tax returns, financial statements, competition, economic conditions, etc. to determine credit worthiness; prepares and presents loan proposals to Loan Committee; answers questions from staff to defend business decision.


Gathers additional data by contacting customers regarding questions/concerns; makes decisions; notifies customer; negotiates loan rate and term; obtains documentation needed for loan file, to include, but not limited to, all paperwork to comply with regulatory policies and procedures; forwards file to loan processor; closes approved loans; sends required documentation regarding denied loans; provides suggestions for ways to improve credit worthiness.

Manages assigned commercial loan portfolio; extends credit within designated limits; approves loan extensions; assigns loan risk category; responsible for collecting on past due accounts; makes decisions regarding overdrafts and service charges; establishes workout program for problem loans; performs tasks associated with foreclosure.


Reviews each commercial loan in assigned portfolio annually; works with Credit Analyst in obtaining updated financial statements to prepare reviews; reviews narrative report and makes corrections; ensures credit review and loan risk category is complete.


Contacts potential customers to sell commercial loan and demand deposit products and services.


Serves as a contact for realtors, title company staff, appraisers, accountants, insurance agents, and attorneys regarding commercial loan customers.


Visits business and/or construction sites to verify loan utilization.


Works with support staff to complete all required documentation, letters, reports, forms, etc.


Authorized to sign bank drafts and other documentation necessary to complete loan closing.


Provides documentation and responds to questions from internal and external auditors as well as examiners regarding work produced.


Serves on or chairs committees, as assigned.

Represents the bank at various functions and provides leadership in community activities and organizations.  Hold position of Officer or Board Member for community organizations.

Continues education by attending basic commercial and SBA lending schools.


Comply with all banking regulations, policies and procedures.



To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.  The requirements listed below are representative of the knowledge, skill and/or ability required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.



Possess a four-year college degree from an accredited university or institution with a major area of study in business administration, accounting, finance or other closely related field.  Plus additional post college education and/or training.


Possess a minimum of at least five years of banking experience in commercial lending.  


Preference may be given to individuals that have attended advanced commercial lending schools.


Knowledge of commercial lending policies and procedures.  Knowledge of compliance policies and procedures, disclosures, and applicable state and federal rules and regulations.



Ability to read, analyze, and interpret compliance policies and procedures and disclosures.  Ability to comprehend complex and varied documentation contained in a commercial loan file.  Ability to interpret business plans, tax returns, and financial statements.  Ability to interview customers to obtain detailed and accurate information.  Ability to communicate effectively.  Ability to respond to requests from auditors and examiners.



Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane and solid geometry and trigonometry.  Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.














Ability to define problems, establish facts, and draw valid conclusions.  Ability to make decisions.  Ability to make recommendations to loan committee and supervisor.



Must have the ability to operate the following equipment: telephone, personal computer and printer, copy machine, fax machine, calculator, and HP Loan calculator.  Must have working knowledge of spreadsheet, word processing, presentation and database software.  Advanced PC knowledge.