Careers

Community Bank Loan Officer-Silver Lake

Position Summary

The Loan Officer is responsible for developing and maintaining customer relationships while originating and analyzing all types of business and consumer loans. This position serves as a trusted financial advisor to customers and promotes the bank's products and services to support the financial needs of individuals, businesses, and agricultural operations within the community.

As a representative of a community bank, the Loan Officer is expected to demonstrate exceptional customer service, strong ethical standards, sound lending judgment, and active involvement in community activities.

Essential Duties and Responsibilities

Loan Origination and Portfolio Management

• Develop and maintain relationships with existing and prospective customers.
• Interview loan applicants to determine creditworthiness and borrowing needs.
• Analyze financial statements, tax returns, credit reports, collateral, and other supporting documentation.
• Structure loan requests in accordance with bank policies and regulatory guidelines.
• Prepare complete loan presentations and recommendations for approval.
• Monitor and manage an assigned loan portfolio to ensure quality and compliance.
• Conduct annual loan reviews and maintain accurate loan documentation.
• Identify and address potential problem loans and work with management on resolution strategies.

Customer Service and Business Development

• Serve as a primary point of contact for customers regarding lending and financial needs.
• Cross-sell bank products and services, including deposit accounts, and other banking solutions.
• Participate in community events, business organizations, and networking opportunities to promote the bank.
• Maintain a high level of customer satisfaction through responsive and professional service.
• Build strong relationships with local businesses and community members.
• Proactively identify and pursue new clients through networking and referrals to achieve growth

Compliance and Risk Management

• Ensure all lending activities comply with federal and state banking regulations, internal bank policies and objectives.
• Participate in internal and external audits and examinations as required.
• Stay current on lending regulations, industry trends, and market conditions.

Additional Responsibilities

• Assist with special projects as assigned.
• Participate in training and professional development opportunities.
• Support the bank's mission, values, and commitment to community banking.

Qualifications

Education and Experience

• Bachelor’s degree in finance, Business, Accounting, or related field preferred.
• Equivalent combination of education and banking experience may be considered.
• A minimum of 2 years of experience in lending.
• Knowledge of banking operations and financial analysis preferred.

Skills and Abilities

• Strong analytical and financial assessment skills.
• Excellent communication and interpersonal abilities.
• Ability to build and maintain customer relationships.
• Strong organizational skills and attention to detail.
• Ability to exercise sound judgment and make informed lending decisions.
• Proficiency in Microsoft Office and banking software systems.
• Ability to maintain confidentiality and handle sensitive information.

Working Conditions

• Primarily office environment with regular customer interaction.
• Occasional travel within the bank's market area.

Performance Expectations

Success in this position is measured by:

• Growth and quality of the loan portfolio.
• Customer satisfaction and retention.
• Compliance with lending policies and regulations.
• Business development and community involvement.
• Contribution to the bank's overall financial performance and strategic goals.

The Loan Officer is expected to uphold the highest standards of professionalism, integrity, and customer service while supporting the bank's commitment to serving the communities of Kansas.

Features & Benefits

• Benefit package includes: health insurance, flexible spending account (FSA), long-term disability, company paid life insurance, 401(k) retirement plan with company match, paid time off (PTO), and more

To apply, email your resume to: hr@stockgrowers.biz or www.stockgrowers.biz

Stockgrowers State Bank is an Equal Opportunity Employer whose policy is not to discriminate unlawfully against any qualified employee or applicant for employment on the basis of protected military or veteran status, disability, race, color, religion, sex, age, national origin, pregnancy, genetic information, sexual orientation, gender identity, or any other classification protected by applicable local, state or federal law; except where an individual’s protected category constitutes a bona fide occupational qualification

Position Overview:

Job Title:          Client Relations & Operations Specialist

Classification:  Full Time, Non-Exempt

Branch:            Silver Lake

Schedule:         Hours: Monday – Friday 8-5 PM

Position Summary:

The Client Relations & Operations Specialist is a multifaceted role designed for an experienced professional who excels in a banking environment. This position sits at the intersection of high-level client service and essential bank operations, requiring a candidate who can navigate regulatory requirements, internal workflows, and digital platforms with precision. We are seeking a self-directed individual with professional maturity to balance complex client interactions with the technical accuracy required to maintain the bank’s operational integrity. As part of a dedicated community banking team, the Specialist must possess the professional agility to "wear multiple hats"—balancing core responsibilities with emerging branch needs. This role requires a proactive professional who thrives in a dynamic environment where duties evolve in real time to align with the individual's growing skill set and the bank’s operational goals.

Key Responsibilities:

• Operational Systems Proficiency: Execute daily operational activities and report with a high degree of accuracy. This role requires a mastery of the internal systems and a disciplined commitment to following the established procedures and controls that protect the bank and its clients.
• Digital Systems Mastery: Demonstrate a high-level command of the bank’s digital platforms and financial software, utilizing these tools to maximize efficiency, ensure data accuracy, and enhance the client experience.
• Professional Client Liaison: Provide an elite level of service for in-person and phone-based inquiries, resolving complex account issues and identifying opportunities to provide comprehensive banking solutions.
• Integrated Administrative Support: Perform robust administrative processes to support functions of the branch, including specialized documentation, record-keeping, and project coordination.
• Operational Flexibility: Support smooth daily operations through the timely distribution of internal communications and the processing of essential financial correspondence. This includes executing various specialized tasks as assigned that may fall outside the primary scope of this description to meet the real-time needs of the branch.
• Risk & Security Oversight: Uphold the highest standards of confidentiality and data security while executing activities and managing sensitive financial records.

Skills & Qualifications:

• Banking Expertise: Preferred background in banking operations or a similarly regulated professional environment.
• Procedural Discipline: A strong aptitude for learning complex workflows and a commitment to maintaining accuracy within a controlled environment.
• Adaptive Flexibility: The ability to pivot effectively between detailed operational projects and professional client service as branch needs and personal skills align.
• Advanced Communication: High-level verbal and written skills suitable for a professional financial setting.
• Detail Precision: Exceptional organizational skills with a focus on accuracy in data management and financial reporting

Education, Experience, and Licensing Requirements:

• High school diploma, GED, or equivalent required

Features & Benefits:

• Full-time employees have access to a very comprehensive benefit package
• Opportunity to grow and build a long-term career of banking

If this position sounds like a good fit for you, email your resume to: hr@stockgrowers.biz

Stockgrowers State Bank is an Equal Opportunity Employer