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Company Contact Info

  • 1102 Bypass South
    Lawrenceburg, KY 40342
  • Linda Gordon
  • Phone: 502-337-6283

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Consumer Banker/Mortgage Lender

Town and Country Bank and Trust Co. • Lawrenceburg, KY

Posted 13 days ago

Job Snapshot

Full-Time
Experience - At least 2 year(s)
Banking - Financial Services
Banking

Job Competition

1

Applicant

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Job Description

We are growing our relationships within the Anderson County Market.  For the right candidate with mortgage lending experience, this role may be expanded.  

Job Title:  Consumer Banker

Supervision Received:  Banking Center Manager

Supervision Exercised:  None

FSLA Status:  Full-time, Non-Exempt

 

Summary

 

A Consumer Banker is responsible for providing efficient, professional and quality customer service to all Town & Country Bank and Trust Company customers through handling various financial transactions and interviewing customers desiring to open accounts and explaining the various products and services available to them. In addition, the Consumer Banker will be responsible for the origination of consumer loans and identifying other needs to generate referrals.

 Essential Duties & Responsibilities

To perform this job successfully, an individual must be able to perform each essential duty and responsibility satisfactorily.

 

  • Interviews new and existing customers to uncover financials needs and recommending products and services based on the findings.

  • Explains to customers the different types of loans and credit options that are available, as well as the terms of those services.

  • Analyzes applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.

  • Obtains and compiles copies of loan applicants' credit histories, corporate financial statements, and other financial information.

  • Meets with applicant(s) to obtain information for loan applications and to answer questions about the process.

  • Approves loans within specified limits, and refers loan applications outside those limits to management for approval.

  • Stays abreast of new types of loans and other financial services and products to better meet customers' needs.

  • Closes and funds loans. Distributes all checks.

  • Manages credit and collection of payments for the life of the loan.

  • Manages daily NSF.

  • Answer customer questions, and explain available services such as deposit accounts, bonds, and securities.

  • Compile information about new accounts, enter account information into computers, and file related forms or other documents.

  • Inform customers of procedures for applying for services such as ATM cards, direct deposit of checks, and certificates of deposit.

  • Refer customers to appropriate bank personnel to meet their financial needs.

  • Interview customers to obtain information needed for opening accounts or renting safe-deposit boxes.

  • Investigate and correct errors upon customers' request, according to customer and bank records.

  • Other duties as assigned.

 Qualifications

The qualifications listed below are representative of the knowledge, skills and/or abilities required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  • Proficient in the use of Microsoft Office products and banking information systems that are applicable to the area of assignment which may include:  BancPac, Teller Elite Accountfolio, Intercept, Fedline Advantage, Harland Clarke, Platform, Image Center, and ADP.

  • Strong background in the bank’s operating policies and procedures and banking regulations, including a thorough understanding of the bank’s products and services.

  • Ability to work with a team and members of other departments.

  • Ability to work with little direct supervision in carrying out the tasks and responsibilities assigned.

  • Ability to communicate orally to others to convey information effectively.

  • Strong attention to detail.

  • Ability to operate standard business equipment: fax, copiers, printers, computers, etc.

  • Ability to handle sensitive documents or other confidential information. 

  • Ability to communicate and work well with all levels of employees, officers, directors, and service providers.

  • Ability to arrange things or actions in a certain order or pattern according to a specific rule or set of rules (e.g., patterns of numbers, letters, words, pictures, mathematical operations).

  • Ability to give full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.

  • Thorough understanding of Federal and State agency security requirements.

  • Ability to follow prescribed and detailed procedures to solve moderately complex problems and collect data, establish facts and draw valid conclusions.

  • Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar including the ability to comprehend written sentences and paragraphs in work related documents.

  • Ability to manage time and be efficient and effective in the completion of assignments.

  • Knowledge of arithmetic and their applications specific to the position.

     

Job Requirements

Education and/or Experience

  • High School Diploma required.  Additional years of education in a related field are desired.

  • Minimum of two (2) years of retail banking experience preferred.  Experience in a field that required face-to-face customer service skills, sales, and access to confidential information will be considered in lieu of the banking experience.

  • Proficient in the use of the bank computer systems identified above.

     

    Physical Demands and Abilities

    The physical demands and work environment characteristics described herein are representative of those that must be met by an employee to successfully perform the essential duties of this job. Reasonable accommodation will be made to enable individuals with disabilities to perform the essential functions.

  • Manual dexterity which provides the ability to handle and count both coin and paper currency.  Will regularly be required to use hands to finger, handle, or feel.

  • The ability to listen to and understand information and ideas presented through spoken words and sentences.

  • The ability to communicate information and ideas in speaking and writing so others will understand.

  • The ability to see details at close range and at a distance.

  • The ability to tell when something is wrong or is likely to go wrong. It does not involve solving the problem, only recognizing there is a problem.

  • The ability to both sit and stand for long periods.

  • The ability to bend and lift up to 20 pounds.

  • The ability to operate standard business equipment such as fax, computer, printer or copier.

  • The ability to look at a computer screen for long periods of time.

  • The ability to regularly travel to other locations if needed.

  • Must be able to work on a flexible schedule that at times may include late working hours or weekend hours.

  • The noise level in the work environment is usually moderate.

     

    Other Requirements

  • May be required to attend activities outside the bank to stay abreast of new developments, best practices, and statutory and regulatory changes.

  • Pursuant to the Drug Free Workplace Act of 1988, all employees must remain drug free and alcohol free when reporting to work, while at work and while engaged in any work related activities.

  • Comply with all Bank Secrecy Act rules and regulations and any related laws and regulations.

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