SUMMARY

The Consumer and Mortgage Loan Officer is responsible for soliciting, negotiating, underwriting and coordinating the closing of consumer and residential loans in compliance with the Bank’s lending policies and procedures. This role also includes supervisory responsibilities, such as providing guidance and training to team members as needed, and ensuring adherence to regulatory and internal standards.

MINIMUM REQUIREMENTS

· This position requires a Bachelor’s degree or equivalent experience in finance or lending, along with a preference of 5+ years of relevant financial analyzing or lending experience. A minimum of 3 years of experience required.
· Candidates must be registered with the Nationwide Mortgage Licensing System and Registry as a mortgage loan originator in accordance with the Secure and Fair Enforcement for Mortgage Licensing Act (the “SAFE Act”).
· Must have intermediate knowledge of financial analysis, lending practices/terminology, loan processing, and compliance regulations.
· Candidates have intermediate knowledge construction, real estate and consumer loans.
· Key skills include, but are not limited to business development, marketing, financial statement analysis, and loan underwriting.
· Strong organizational, communication, time management, and problem-solving abilities are essential.
· Ability to build and develop marketing and business development with customers.
· Must be proficient in computer applications, skills in computer terminal and personal computer operations, and host computer system, and have advanced mathematical skills.
· Must have a valid driver’s license for job-related travel.

· Engages in business development activities while actively maintaining superior client service and referring inquiries to appropriate departments or staff.
· Experience in or readiness to assume supervisory duties, including team oversight and support of departmental operations.
· Interview applicants, assess creditworthiness, analyze financial risk, and present financial request for approval.
· Manage loans in a timely manner by coordinating loan processing, ensuring compliance with policies and procedures, approving loan disbursement, and managing renewals.
· Providing excellent client service, handling inquiries, listening to clients’ needs and recommending the Bank’s products and services based on each individual’s unique situation.
· Reviewing overdrafts, maintaining loan portfolio integrity, and updating legal records on bankruptcies or charges-offs.
· Participating in community engagement by representing the Bank in community activities to enhance its reputation and develop new business.
· Responsibility for gathering and analyzing information for financing requests, meeting with clients, visiting loan sites, negotiating terms, and approving or recommending loans based on client needs.
· Ensures decisions alignment with policies and procedure whilst also being mindful of approval limits and using these situations for employee development and growth.
· Shows respect and sensitivity for cultural difference, educates others on the value of diversity, promotes working environment free of harassment of any type, and builds a diverse workforce and supports affirmative action.
· Performs duties specific to the position and other functions as assigned.