At Osgood Bank, our team is empowered to help our customers do well. We work together to be good to each other and to give back to our communities. We foster an environment of growth and innovation - while building skills to do better each day. Our benefits include:
Medical Insurance
Short Term Disability
Competitive Wage
Paid Time Off
401K with Match
Vision Insurance
Long Term Disability
Incentive Bonus Plan
Loan Discounts
Profit Sharing
Dental Insurance
Basic Life Insurance
Free Checking
Safe Deposit Box
Saturday Premium
Osgood Bank is seeking a Commercial Loan Officer. The individual filling this position will manage the bank's existing commercial portfolio customer relationships and seek opportunities to expand these relationships. Additionally, they will identify and prospect new business inside of the bank's approved client network and work within their approved lending authority.
Candidates must have the ability to travel to clients, comprising of up to 25% of the position's duties.
Job Type: Full-time
Benefits:
Dental Insurance
Health Insurance
On-The-Job Training
Paid Time Off
Vision Insurance
Experience Level: Mid-level
Weekly Day Range: Monday - Friday
Interview loan applicants and obtain financial information and tax returns for new loan requests and renewals.
Compile underwriting information and work with the bank's credit analysts to develop a complete financial analysis of the applicant's credit history. This will include collateral valuation.
Correspond with the applicant to resolve questions regarding the financial information that has been provided to the bank.
As necessary, negotiate loan terms, loan covenants, interest rates, and loan fees.
Approve the loan request within the individual lending officer's assigned lending authority or refer the loan request to the bank's Senior Lending Officer and/or the bank's Loan Committee for approval. Ensure the risk grade is assigned to each loan.
Close approved loan(s) and ensure that all loan documents and all loan agreements are complete and accurate, according to the bank's Lending Policy.
When a loan request is denied, send adverse action notices in accordance with regulatory requirements and the bank's Lending Policy.
Meet expectations through managing specialty portfolio while continuing to expand prospective new business inside the bank's approved client network. Monitor their individual pipeline on a regular basis.
Under the direction of the Senior Lending Officer, manage the loan relationships that become delinquent, by taking appropriate action. Develop written action plans on situations where the delinquency has the possibility or probability of becoming a serious problem. Make recommendations, when necessary, to have a delinquent loan(s) placed on the bank's "Watch List".
Participate in community activities to promote the image and goodwill of the bank.
Perform other duties as assigned.
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Ability to travel as necessary for client meetings which will be up to 25% of the position's duties.
Bachelor's degree in Business Administration or equivalent from two-year college or technical school; or two years related experience and/or training; or equivalent combination of education and experience.
Knowledge of accounting, tax laws, and spreadsheet applications.
Prior banking experience is preferred.
Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.
Ability to draft reports, business correspondence, and procedure manuals.
Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the public.
Ability to work with mathematical concepts and apply concepts such as fractions, percentages, ratios, and proportions to practical situations.
Ability to solve practical problems and interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
Hold and maintain a valid driver's license.
Join our team as a Customer Service Representative and play a pivotal role in providing exceptional service to our valued customers. As a CSR, you will be the face and voice of Osgood Bank, assisting customers with a wide range of inquiries, from account management to financial guidance. Your empathetic communication skills and product knowledge will help you address customer needs, resolve concerns, and foster lasting relationships.
If you're friendly, passionate about finance, and enjoy problem-solving, this role offers you the chance to make a positive impact while advancing your career in the banking industry. Join us in shaping the future of banking and delivering unparalleled service to our communities.
Job Type: Full-time
Benefits:
Dental Insurance
Health Insurance
On-The-Job Training
Paid Time Off
Vision Insurance
Experience Level: No experience needed
Weekly Day Range: Monday - Friday and rotating weekends
Work Setting: In-person.
Greet customers and answer phones promptly and with a friendly attitude.
Build customer rapport.
Become familiar with bank products and services to recommend and refer new services to customers based on their needs.
Ensure proper storage and security in cash drawers and vaults.
Adhere to all bank security standards - including dual control requirements.
Identify acceptable types of identification and handling of forged and/or altered identification.
Be knowledgeable of funds availability rules and place Regulation CC holds when necessary.
Process a variety of transactions, including withdrawals from deposit accounts, payments to loans and credit cards, and advances from lines of credit.
Scan and image documentation, completing workflows.
Assist others with miscellaneous tasks, mailings, and calls.
Represent the Bank in a manner that maintains and expands positive relations with all customers, potential customers, and coworkers through applying Osgood Bank's service standards.
Maintain the highest level of confidentiality with all information obtained.
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
High School Diploma or GED; or one to three months related experience and/or training; or equivalent combination of education and experience.
Ability to read and comprehend simple instructions.
Comfortable using computer systems and programs.
Basic mathematical skills.
Regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms; and talk or hear.
Occasionally required to stand; walk; climb or balance; and stoop, kneel, crouch, or crawl.
Occasionally lift and/or move up to twenty-five pounds.
Thank you for your interest in joining our team.
We are not currently advertising any additional openings, but if you think you'd be a good fit for Osgood Bank you can always submit your resumé and we will keep it on file in case something opens up.
Until then,
Do Well. Be Good.
Osgood Bank is an equal opportunity employer. We believe in equal opportunities for all employees and job applicants. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, national origin, sex, gender identity, sexual orientation, age, military status, disability, citizenship status, and any other category protected under federal, state, or local law.
Equal Opportunity/Affirmative Action Employer
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