Loan Officer I

Company: Union State Bank
Location: Pleasant Grove
Posted on: February 18, 2026

Job Description:

Job Description Job Description Loan Officer I Department Loan Department Reports To Senior Lender Officer/Non-Officer VP, AVP or AC Officer FLSA Category Exempt Employee Work Location Retail Lending Responsibilities & Duties Purpose of Position Loan Officer I are entry-level lenders responsible for maintaining and/or generating a loan portfolio including Consumer loans and loan renewals as assigned by Senior Lender. This position is responsible for soliciting, negotiating, documenting, underwriting and coordinating the closing of loans in compliance with the Bank's lending policies and procedures. Lender positions are based on productions and evaluated in relation to loan projection goals. Lenders are to develop and maintain professional relationships with customers, promote business growth of the bank’s products and services. [NEEDS QUANTIFIABLE MATRIX FOR EVALUATION- PORTFOLIO PROJECTION] Duties and Responsibilities Exemplar of superior customer service with appropriate communication between both customers and employees. Serve as mentor to other Lender I employees as requested by Senior Lender. Perform full range of duties pertaining to Consumer lending functions. Lenders solicit, negotiate, underwrite, and coordinate the closing of major and complex consumer, residential, equipment, commercial building and business loans in compliance with the Bank’s lending policies and procedures. Develops deposit relationships and promotes business for the bank by maintain good customer relations and referrals for new bank services. Diligently seek and obtain quality new business through client and prospect calls, referrals, and cross selling efforts. Accepts applications, assists with interviews of prospective applicants, requests specified information related to loan inquiry and assists to resolve questions regarding application information. Gathers, analyzes, and organizes all information necessary to present a financial request to Senior Management or Loan Committee for approval, meets with existing or potential customers, visits sites of loans, negotiates loan terms and conditions, approves loans within established lending limits or refers and recommends acceptance to Senior Lender or Loan Committee. Coordinates the processing of approved loans, ensures loans are processed according to agreement, customer needs and comply with lending procedures, obtain sufficient information and/or documentation from customers, solves problems related to processing and servicing loans in portfolio, and approves loan disbursements in accordance with agreement. Ensures that credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning is achieved. Approves loan payments, draws form lines of credit, and fund transfers within specified limits. Negotiates, underwrites and processes renewals of credit facilities. Participates with Senior Management in developing, analyzing and finalizing major and complex loan agreements. Represent the Bank in various Business Development, Civic, Community Engagement, and Community Reinvestment (CRA) activities, events or endeavors. Further enhance the Bank’s image, develop additional business, and assist in establishing and maintaining market position in the financial arena. Cross sells the products and services of the Bank. Qualifications Minimum Education Requirements Bachelor’s degree in a business-related field, (preferably accounting or finance) or equivalent work experience. Minimum Experience & Skill Requirements Experience in servicing consumer, commercial and mortgage loan review with increased responsibilities for profitably in loan concentration. Strong financial services (preferably Banking) background and working knowledge of industry, including good understanding of credit analysis, financial statements, lending practices and operations processes. Effective communicator both in written and oral communication. Balanced decision-maker; strategic thinker; demonstrate understanding and appreciation for all facets of the business (both business development and operational/staff functions). Track record of leading and motivating people particularly achieving loan and deposit growth targets. Ability to meet deadlines and sales goals. Additional Information Disclosure This position description is subject to change at the discretion of the needs of the bank and does not create a contract, implied or otherwise; this position is an “at will” employment position. This position description in no way confines these functions to be the only task, responsibilities or duties of this position. Employees have the responsibility to safe guard information, maintain confidentiality and engage in safe and sound banking practices, inside and outside the bank. Last Revision Date 03/23/2023 Support Any questions, please contact: Human Resources (205) 884-1520

Keywords: Union State Bank, Auburn , Loan Officer I, Accounting, Auditing , Pleasant Grove, Alabama