Personal Lending Officer (59825)

Personal Lending Officer

At FSCB, we're looking for a relationship-driven lender who enjoys helping people turn goals into reality. As a Personal Lending Officer, you'll build trusted relationships, provide personalized lending solutions, and guide customers through some of life's biggest financial decisions.

• Build lasting relationships with customers and become their trusted financial partner.
• Identify customer needs and provide tailored consumer and real estate lending solutions.
• Guide customers through the loan process from application to closing.
• Analyze financial information and make sound credit recommendations.
• Partner with internal teams to deliver a seamless customer experience.
• Grow lending, deposit, and referral opportunities while maintaining strong credit quality.
• Support portfolio health through proactive communication and follow-up.

• Strong relationship-building and communication skills
• Sales and customer-focused mindset
• Sound financial analysis and decision-making abilities
• Attention to detail and commitment to compliance
• Ability to manage multiple priorities in a fast-paced environment
• Passion for helping customers succeed

• Competitive pay and benefits
• Team-based variable compensation program
• 401(k) with generous employer match
• Supportive leadership and career growth opportunities
• A stable, community-focused organization where people come first

At FSCB, you'll do more than make loans. You'll help families purchase homes, navigate life's milestones, and build stronger financial futures. Join a team that values relationships, integrity, and making a difference in the communities we serve.

Apply today and help turn financial goals into reality.

• Bachelor's degree in business, finance, or a related field preferred but not required
• Experience in personal/consumer banking, with demonstrated ability to originate, underwrite, and manage installment and real estate loan products and portfolios. 
• Strong financial analysis skills, including review of income, assets, liabilities, credit reports, debt to income (DTI), loan to value (LTV), and ATR/QM requirements. 
• Proven ability to build long term customer partnerships through consultative, relationship and needs based conversations, and a consistent, value driven sales approach. 
• Solid working knowledge of banking regulations and compliance standards, including RESPA, HMDA, Reg Z, Reg B, and Flood Determination requirements as well as ability to interpret and apply organizational policies consistently. 
• Experience supporting loan portfolios post closing, including monitoring performance, addressing delinquency, coordinating escrows, and maintaining accurate documentation.

PHYSICAL REQUIREMENTS

• Must be able to remain in a stationary position for long durations (e.g., 6 to 8 hours with breaks).  
• Occasionally required to stand or walk short distances.
• Manual dexterity for using keyboard, mouse and telephone system.  
• Visual acuity to read computer screens and written documents.  
• Occasionally lifting office supplies, files and small packages (typically up to 10 to 25 lbs.)
• Ability to hear and understand spoken communication, including customer (internal and external) inquiries and phone conversations.  
• Ability to speak clearly and be understood in person and over the phone.  

Additional Information

Being a First Stater . . .

Being a First Stater means that you roll up your sleeves and dig in. It means you work hard and do your best. It means that you enjoy learning new skills and are always eager to improve. It means you help the team by being a great teammate. It means you're passionate about making a difference in the lives of our customers and our communities. It means you consistently find new ways to improve our organization.

Do you have what it takes to be a First Stater?

Make a Difference | Apply Now!

First State Bancshares Inc. is an Equal Opportunity Employer. All your information will be kept confidential according to EEO guide.