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Ag/Commercial Loan Officer
Panama City, FL

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The Commercial Banking Officer is responsible for developing new business, underwriting, structuring and the closing of commercial loans, as well as maintaining and servicing an existing portfolio. This Officer represents the Bank in the local community through active participation in community affairs and participates in marketing all of the Bank’s products and services.  

The loan officer will: 

  • Evaluate needs of potential clients and offer appropriate financial products, services and loans
  • Promote and cross-sell other products and services as appropriate to client requirements
  • Respond to client phone calls, inquiries and requests regarding accounts within 24 hours
  • Provide ongoing relationship servicing with current clients to maintain goodwill and gain additional business
  • Conduct networking activities such as community events, attending local Chambers of Commerce meetings, developing relationships with centers of influence and entertaining clients/prospects to enhance relationships and create new sales
  • Develop call lists of clients and prospects to meet monthly call goals
  • Conduct warm and cold prospect calls in accordance with stated goals 
  • Generate new business to meet annual growth goals
  • Prepare and compile client information to open new accounts
  • Gather and analyze financial data to assist in determining the credit worthiness of potential clients for risk and underwriting purposes
  • Prepare loan memos and documents to submit for loan approval
  • Ensure completeness and accuracy of loan documentation 
  • Oversee timely closing and funding of loans
  • Inform and advise clients of status or enhancements to current account productivity and suggest resolution on account disputes and other account activity
  • Coordinate and assist back office personnel in resolving credit problems, delinquent payment issues, overdrafts and other related affairs


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