Vice President/Lending Officer
Job Details
Mora branch - Mora, MN
Full Time
4 Year Degree
VP Lending Officer

Under limited direction, makes and services a variety of secured and unsecured loans and lines of credit, provides superior customer service and financial counsel to current customers to retain existing business; identifies and solicits profitable business deposit and loan relationships in the bank’s target market to develop new business. Employees in this job class handle customer loan accounts, resolve a variety of customer problems, and make credit decisions independently within established lending limits. Regularly interfaces with Loan Committees and trains others. Requires knowledge of standard lending practices and methods, expertise in dealing with all types of lending, and the ability to source and sell a variety of loan products to community businesses while developing the bank’s business clientele and portfolio.



  • Initiates and implements effective and consistent business development calling programs to focus efforts on increasing and retaining existing, residential, consumer, agricultural, and commercial business banking relationships; provides superior customer service and effectively handles problem resolution.

  • Negotiates and structures new and renewal loans; prepares and documents current applications; approves or declines credit within established limits and submits applications for credit exceeding limits to appropriate authorities.

  • Develops prospect lists to identify sales opportunities within the bank’s target markets; establishes and initiates ongoing calling programs to develop customer base.

  • Assists in identifying, developing, and cross selling competitive products and services to enable the bank to be a premier business bank.


  • Reviews and analyzes financial data and other relevant financial information; determines each customer’s eligibility for credit.

  • Directly responsible for the profitability of all business-banking relationships; responsible for acquisition and maintenance of new and existing deposit relationships.

  • Performs inspections and collateral reviews for all production lines maintained.  Assists customers with preparation and review of budgets, if applicable.

  • Provides ongoing guidance and feedback to credit analyst/support personnel, refers performance issues to manager.

  • Follows-up on current credits to ensure compliance with terms and conditions; maintains an awareness of trends; reviews collateral reports to ensure margin requirements are maintained; takes appropriate action to collect delinquencies.

  • Closes loans using proper documentation, and continually monitors customers’ financial condition and repayment progress.  Assesses customers’ banking and financial needs.

  • Manages the banking needs of portfolio by communicating regularly with customers; reviews documentation and financial records; monitors payment schedules; conducts customer visits.

Other Duties:                                       

  • Supports Community Reinvestment Act (CRA) through business development efforts.

  • Prepares lending reports for bank review by the loan committee or supervisor.  Presents loans exceeding loan limits to the loan committee. Participates as an active member of the regional loan committee.  Protects the bank’s assets by monitoring the watch list credits, developing an action plan for classified credits to up-grade their status. 

  • Assists in Business development efforts throughout the bank.

  • May be assigned specific workout and collection duties.

  • May be required to register annually with the National Registry Service providing the required information and authorization to bank management to complete fingerprinting and a background check, according to the requirements of the SAFE Act for all Mortgage Loan Originators (MLO).  Complies with the spirit and intent of this regulation by providing the resulting identifying number on all bank correspondence, loan documents, and communications with mortgage loan applicants.

  • Maintains customer confidence and protects bank operations by keeping information confidential.

  • Contributes to team effort, working with other bank officers, to accomplish related results related to the goals of the bank.

  • Participates in civic and community activities to generate visibility and contact for the bank.

  • Maintains professional and technical knowledge by attending educational workshops, reviewing professional publications, establishing personal networks, and participating in professional societies.

  • Attends mandatory compliance and security sessions.  Monitors daily work for adherence to compliance and security regulations, policies/procedures, and promptly corrects any deficiencies.


  • Work is performed primarily indoors in an office setting, on site customer and prospect visits are necessary.


  • Position accountabilities are typically performed while sitting for most of the day.  The physical and mental demands of this position are representative of those that must be met by an employee to successfully perform the essential position accountabilities.  Reasonable accommodations may be made to enable individuals with isabilities to perform the essential position and accountabilities.  First Citizens Bank reserves the right to review each requested accommodation and determine if it poses an undue hardship.


  • Bachelor degree in business/finance/Ag Business or related field or equivalent combination of education and experience

  • 5 to 7 years bank lending experience.

  • Basic understanding business banking principles.

  • Written and oral communication skills including the ability to made presentations.

  • Computer literacy including the knowledge of the basic layout and functions of a computer key board.  Understanding of basic word processing and spreadsheet applications.

  • Knowledge of and ability to cross-sell bank products and services to customers-such as the ability to identify customers’ needs, communicate services, explain advantages, and close sales activity.

  • Interpersonal skills for working with the public and interacting with co-workers, presenting a professional image of the bank, and servicing prospective and current customer inquiries, requests, and complaints.