Consumer Credit Officer at Fidelity Deposit Discount Bank

Fuquay-Varina, North Carolina, United States -

Full Time

Start Date

Immediate

Expiry Date

16 Jan, 26

Salary

0.0

Posted On

18 Oct, 25

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Approval, Underwriting, Risk Assessment, Loan Documentation, Teamwork, Communication, Process Improvement, Credit Policy, Consumer Lending, Commercial Lending, Decision Making, Collaboration, Loan Applications, Portfolio Management, Credit Projects, Problem Solving

Industry

Banking

Description

SUMMARY: The Consumer Credit Officer position is the primary Credit Approver for consumer loans for the Bank. The Consumer Credit Officer exercises this authority within approval limits as delegated by senior management. This position will help manage credit projects and will help with identifying process improvements and efficiencies. PRINCIPAL ACCOUNTABILITIES: Time: Description: 50% Ensure requests are underwritten soundly, in conformity with Fidelity Bank's Credit Policy and Procedures. 10% Ensure risk and mitigants are clearly discussed and policy exceptions are described, supported, and reported. 25% Approve or deny requests within delegated authority. 8% Recommend approval or denial of credit requests exceeding authority. Communicate crisply and timely to parties affected by the decision. 1% Work effectively and cooperatively with Business Development Officers, Analysts, Credit Risk Review Officers and other team members in achieving goals. 1% Demonstrate teamwork and facilitate communication and work flow, including creative and pragmatic solutions to credit challenges. 2% Ensure accurate and proper loan file documentation. Advise credit and loan staff on the impact of Bank credit policy and portfolio trends, current relationships, as well as, requests pending from prospects. 1% Answer any questions of loan documentation staff as to appropriate documentation, covenants, etc. for approved requests. 1% Advises credit and loan staff on the impact of bank credit policy and portfolio trends current relationships as well as requests pending from prospects. 1% Provide support to Business Development Officers in all areas of credit. This includes assisting with loan applications, explaining lending credentials and all other processes surrounding lending. 1% Other duties and responsibilities as given by supervisor. BASIC QUALIFICATIONS: Bachelor's degree with 5 years of experience in commercial and consumer lending or an equivalent combination of education and experience. ADDITIONAL QUALIFICATIONS: Demonstrated ability to underwrite complex commercial loans and make sound loan approval decisions of up to $500,000. The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified. Affirmative Action/Equal Opportunity Employer

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Responsibilities

The Consumer Credit Officer is responsible for approving consumer loans and ensuring they are underwritten in accordance with the bank's policies. This role also involves managing credit projects and identifying process improvements.