Description

Pioneer Bank & Trust, a +-$1B multi-branch community bank located in Western South Dakota, is looking to hire a full-time lending officer to join our lending team.  The successful candidate will be exposed to the following types of lending: commercial real estate acquisition / refinance and term loans, commercial and industrial related financings that include revolving lines of credit, Agriculture revolving lines of credit and term real estate loans, residential housing / construction, consumer loans and SBA loans.

Requirements

Essential Duties & Responsibilities:
   Soliciting, negotiating, underwriting and servicing a variety of commercial loan and deposit relationships.
   Develop and grow a loan portfolio between $20MM - $30MM.
   Promoting the bank externally and referring customers to appropriate staff for new services.
   70% business development activities and 30% portfolio/relationship management tasks.
   Excellent oral and written skills are essential.
   Evaluate the financial condition and creditworthiness of individuals/businesses. Analysis to include an assessment of borrower’s leverage, repayment capacity, collateral coverage, liquidity and internal risk rating classification.
   Approves loans within established limits or refers to loan committee for approval
   Ensure compliance with all Bank policies and procedures, as well as all applicable state and federal banking regulations. 
   Branch opening and closing as needed.
   Supervisory coverage when Branch Manager is out of the Bank.
   Scheduling assistance.
   Travel may be necessary to maintain customer relationships.

Preferred Experience & Credentials:
   Bachelor’s degree in business administration, finance, accounting and/or economics.
   5+ years of Commercial/Ag lending experience preferred or related experience will be considered.
   Proven history of business development.
   Extreme familiarity with MS Suite of Products to include Word, Excel, and Outlook.
   Personal motivation and attention to detail while working in a deadline driven environment.
   Ability to communicate clearly and concisely across multiple levels within the organization.
   Desire to have a long-term career in community banking.

The duties described above are the general nature and level of work performed but are not intended to be a complete comprehensive list of all the duties, activities, and responsibilities required of job incumbents.  Supervisors or managers may ask job incumbents to perform other duties as needed and/or required.

Management has the right to revise this position description at any time.  The position description is not a contract for employment, and either you or the employer may terminate employment at any time, for any reason.

EOE AA M/F/Vet/Disability