Consumer Loan Officer

Essential Functions & Key Areas of Responsibility

• Actively participate in new business development program.

• Interview applicants for commercial and consumer loans and negotiate credit terms such as costs, loan repayment methods and collateral specifications.

• Structure and analyze new and renewed loan requests and make loans within lending authority.

• Close loans, complete file documentation, and maintain files. • Manage all aspects of an assigned portfolio of loans and relationships.

• Monitor compliance with loan policies and appropriate regulations.

• Collect past due loans or work with Loss Mitigation staff in collection of delinquent accounts.

• Send financial statements to credit analysts for spreading and analysis.

• Handle customer service matters and inquiries for lending and non-lending issues. Advise and assist commercial loan staff with resolutions for customers with difficult issues.

• Provide informal training and guidance for less experienced lenders.

• Participate in community activities and organizations.

• Cross sell all company products and services; refer appropriate banking opportunities to other departments and personnel.

• Serve as member of the Bank’s Officer Loan Committee and participate in other ad hoc committee activities.

• Manage Bank’s merchant card relationships and technical exception tracking and reporting system.

• Perform other related duties as assigned.

Education and Experience Requirements

High school diploma or equivalent

Education and Experience Preferences

4-year college degree (accounting, business, finance, management or related) and 2 years relevant experience - or equivalent combination of education & experience

Sales experience

Extensive knowledge of loan guidelines, products and services

Knowledge of and/or experience with SBA guaranteed and rural development B & I loan programs