Loan Officer

    Job Description

The Loan Officer is responsible for managing commercial and consumer lending relationships with new and existing customers of the bank.

Duties and Responsibilities

  • Responsible for evaluating creditworthiness through processing loan applications and underwriting
  • Work with clients to build relationships and determine suitable banking product options
  • Obtain and assess financial information and credit histories necessary for loan decisions
  • Work closely with lending team in performing due diligence on the lending process, from application to closing
  • Monitor and grow the bank's loan portfolio
  • Structure loans within the bank's lending policy and procedures
  • Prepare financing proposals/term sheets and commitment letters as applicable
  • Review loan documentation and work closely with loan administration to ensure complete and accurate documents for closings as well as preparing, maintaining, and updating loan files
  • Serve as an active member of Loan Committee
  • Prepare monthly reports as requested by management
  • Excel in building strong relationships within the community
  • Actively participate in community activities and civic organizations to promote the Bank
  • Perform other duties as assigned by management
  • Ensure compliance with banking regulations and bank policies and procedures

    Education & Experience

  • Bachelor's degree in business, finance, or professional experience in related field
  • Prior lending experience with credit analysis background preferred
  • In depth knowledge of underwriting and loan documentation
  • Excellent customer service skills
  • Excellent interpersonal skills
  • Knowledge and understanding of lending regulations
  • High degree of integrity and drive for excellence
  • Proficiency with Microsoft Office products and lending software


Northern State Bank of Virginia was established in 1966 and remains a pillar in the community. It is a modern-day, community bank that does business the old-fashioned way. We believe banking is more than just closing deals, it is about building relationships. We're the bank where the size of your wallet won't affect the size of your welcome. You deserve exceptional service, and that is provided at Northern State Bank of Virginia.

    How to Apply

Please send resume to or:

Northern State Bank of Virginia
Attn: Briana Sterle
600 Chestnut Street
Virginia MN 55792

Northern State Bank of Virginia is an Equal Opportunity Employer of women, minorities, protected veterans, and individuals with disabilities. Member FDIC - Equal Housing Lender.

Northern State Bank
600 Chestnut St Virginia, MN 55792-2533

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