EDUCATION & EXPERIENCE:

• Bachelor’s degree in business, finance or related field or equivalent knowledge.
• Three to five years’ experience in a financial institution or loan office setting.

KNOWLEDGE, SKILLS, AND ABILITIES:

• Knowledge of consumer lending policies and procedures. Knowledge of mortgage lending policies and procedures.
• Limited Credit Insurance License.
• Knowledge of retail loan products and key deposit products.

MAJOR DUTIES & RESPONSIBILITIES:

• Originates and approves or recommends for approval consumer and mortgage loans. Notifies customer of lending decision.
• Processes consumer loan applications, approves loans within individual approval lending limits, verifies credit references, and prepares appropriate documentation.
• Responsible for collection of loan portfolio and accounts assigned.
• Establishes centers of referrals. Develops new account relationships through community and professional visibility and among existing clients.
• Understands and abides by bank policy, regulatory requirements, and compliance matters.
• General measures of quality are: Charge offs to be less than .25%, delinquency less than 1%, and no exceptions or ticklers older than 60 days.
• Makes joint calls with others areas of the bank.
• Identifies cross-sell opportunities of insurance products, retail deposits, and so on.
• Refer clients or prospective clients to trust, investments, commercial loans, retail deposits merchant services, electronic banking, and so on.
• Actively achieves individual sales, fee income, referral, operational, and community involvement goals.
• Maximizes fee income opportunities.