American State Bank & Trust   CONCORDIA, KS   Full-time     Finance
Posted on May 7, 2020



Loan Officer


American State Bank and Trust - Concordia Bank



Responsible for relationship management of top level commercial client’s and their portfolio management. Provide mentoring to junior lending officers and branch employees. Manage existing portfolio while developing new business and expanding existing relationships. Collect and analyze financial and related data to determine the creditworthiness of prospects. Establish and negotiates terms under which credit will be extended.

Essential Functions & Responsibilities:

  • Underwrites loans within authorized levels, and reviews and promotes LAR's for credit requests in excess of individual lending authority. Makes retention and business development calls on existing and potential new customers.
  • Assists other officers in development of new business relationships, structuring loans and assuring proper returns.
  • Takes applications for consumer loan business. Reviews customer financial condition and assesses the customer's ability to re-pay the loan. Makes underwriting decisions within approval authority. Completes or directs completion of all loan documents and closes loan. Respond to customer and internal inquiries.
  • Provides input to the departmental budget-making process; ensures adequacy of departmental services; and makes recommendations for product changes and improvements.
  • Other duties as assigned.


  • 5+ years of ag/commercial lending experience
  • Excellent communication skills
  • Excellent interpersonal skills
  • Problem-solving abilities
  • Strong computer skills

Location Description:

American State Bank and Trust - Concordia Bank

302 W. 6th St.

Concordia, KS 66901