Responsible for developing new loan business in addition to servicing existing customers while applying sound credit administration procedures in processing loan applications, analyzing records, evaluating collateral, setting loan terms and conditions, and in establishing overall loan workability.
Assist with the credit needs of new and current borrowers.
Originate and service loans within delegated authorities and within policy limits.
Make loan decisions, including pricing, terms and approvals. Prepare and present loan requests before USB Loan Committee.
Conduct and interpret simple to complex credit analyses, including balance sheets, income statements, and cash flows to determine creditworthiness.
Perform loan-servicing tasks, including placing liens, releases and collecting on past due customers.
Possess excellent public and member relations skills as well as good oral and written communication skills. Strong marketing skills a plus.
Bachelor’s degree in Business, Finance, or a related field. Excellent oral and written communication skills are essential. Should be proficient in Microsoft Office applications and have the ability to perform accounting/financial analyses under moderate supervision. Two years or more of experience in banking, credit, or agricultural lending is a plus.
Additional Salary Information: Base Salary only - no commission.
Health benefits, pension, life insurance and cafeteria plan options
About Union State Bank
Union State Bank (USB) is a rural agriculture based bank located in Clay Center, Kansas. Established in 1901, USB is the only locally chartered and owned bank in Clay County. Employees have the opportunity to learn all facets of banking. As a full-time employee of USB you will work in a family-oriented work environment and be provided health benefits, pension, life insurance and cafeteria plan options. When you work here, you become family.