Consumer Lender

Manages and develops consumer loan accounts, which meet the established lending requirements while maximizing profitability and minimizing risk to the bank. Contributes to the growth and profitability of the bank through consumer and residential loans.

• →Possesses knowledge of features and benefits of all bank products and services in order to efficiently promote the bank to existing and potential customers.
• →Services existing residential loan accounts and expands existing relationships through cross-sells and referrals.
• →Assists in the implementation of new products or programs to help provide better service to customers and stimulate new growth.

• →Interviews loan applicants, analyzes financial information and makes appropriate loan decisions; Decisions must be based primarily on opinions derived from facts and projections based upon the best available information; Must abide by specified lending authority as dictated by the loan policy and procedures manual.
• →Presents loan requests above lending authority to loan review committee for approval.

• →Manages a loan portfolio as it pertains to consumer and residential loans under his or her responsibility. Services loan portfolio in a manner consistent with sound banking practices, while maintaining profitability.

• →Participates in the bank's officer call program and promotes the bank's services where appropriate.
• →Makes business development calls on existing customers and prospective customers.
• →Maintains an active role in community affairs to improve the bank's visibility in the area.
• →Implements plans to reduce total past dues loans and non-earning assets to a level determined by senior management; Monitors past due loans and contacts customers when appropriate.
• →Assures delivery of quality customer service in the branch through personal leadership and adherence to bank's quality standards.

• →Assists all branches with existing and potential consumer and residential loan customers.
• →Occasionally assists commercial customers with their initial loan requests.
• →Authorizes official checks, expense checks, money orders, charge-offs, overdrafts etc., as outlined in procedures manual.

• →Performs any other duties assigned by the supervisor.

• Bachelor degree from an accredited college with a concentration in accounting / finance preferred, or equivalent business related experience.
• One to two years of consumer and residential lending experience.

• Proven knowledge of loan policies and procedures.
• Ability to work independently, establish priorities and procedures, and meet established goals.
• Proven ability to motivate staff in sales.

• Strong personal leadership skills, organizational skills, and excellent verbal and written communication skills; Interacts well with customers, listens effectively, and communicates complex issues.
• Ability to analyze and summarize complex financial information, make presentations of that information, communicate its contents, and make recommendations for appropriate courses of action.
• Ability to travel to various locations to meet with customers and bank personnel.
• Strong business development, customer relations, and decision-making skills are essential.

• Performs all areas of responsibilities in a timely, accurate, and thorough manner; Acceptable attendance and reporting to work in a timely manner.
• Works well with co-workers, vendors, and customers.
• Conducts customer relations in a manner that will enhance the overall marketing effort of the bank.
• Must be courteous and respectful of all customers and employees. When greeting someone, we will stand, offer our hand, and call them by name. We will treat co-workers, peers, and vendors with the same degree of respect and consideration we give our customers and expect for ourselves.
• All employees are expected to conduct themselves in a professional matter, which is conducive to the effective operation of the Bank.
• Follows all company policies and procedures.
• Ability to maintain matters of a highly confidential nature.
• Honesty must be an essential ingredient in all matters.
• Attempts to return all phone calls the same day as they are received.
• Acts on all loan requests, after receiving all information necessary to consider the request, within two days for all loans within your authority and twelve days for all other loans.
• Maintains loan exceptions at a rate specified by loan policy and procedures, or of greater quality.