Commercial Lending Officer

This position is for the following Kentucky counties:  Madison, Rockcastle, Laurel and Whitley. 

The Commercial Lending Officer at CITIZENS NATIONAL BANK will review Loan applications to evaluate, authorize, and/or recommend the approval of Commercial, Credit, or Real Estate Loans. 

Duties / Responsibilities:
- Review and evaluate Loan applications for Commercial, Credit, or Real Estate Loans to determine eligibility and compliance with bank policies.
- Authorize or recommend approval of Loans based on thorough analysis and assessment of applicants' financial status and creditworthiness.
- Collaborate with other departments to ensure smooth processing and closing of Loans.
- Maintain up-to-date knowledge of industry regulations and standards, including FHA, VA, Fannie Mae, and other Construction and Conventional Loans.
- Provide exceptional Customer Service to clients, addressing inquiries and resolving issues related to Loan applications and approvals.
- Utilize Microsoft Office Suite and related software programs to manage and document Loan application processes efficiently.
- Uphold the bank’s reputation by adhering to ethical standards and ensuring confidentiality of client information.

Required Education:
- Bachelor’s Degree in Finance or Business Administration required or Equivalent Experience

Required Experience:
- Experience in evaluating, authorizing, and recommending the approval of Commercial, Credit, or Real Estate Loans

Required Skills and Abilities:
- Excellent verbal and written communication skills
- Excellent interpersonal, customer service, and sales skills
- Extremely proficient with Microsoft Office Suite or related software program