The purpose of this job is to generate loans for the overall profitability of the company, while adhering to bank policies and procedures and assuring regulatory requirements and guidelines are compliant.

ESSENTIAL DUTIES AND RESPONSIBILITIES include:

• Serve as a branch loan officer accepting and evaluating loan applications and facilitating the loan process for consumers and businesses.
• Explain to customers the different types of loans and credit options available and be able to recommend the best product for the applicant.
• Obtain applicants’ credit histories, corporate financial statements, and other financial information.
• Analyze applicants’ financial status, credit, and collateral to determine risk and feasibility of granting the loan.
• Handle customer loan inquiries, problem resolution, loan administration and loan underwriting.
• Ability to meet time sensitive tasks.
• Customer calling to generate new loan volume.
• Business retention and development.
• Complete knowledge of loan policy and procedures.
• Knowledge of federal lending regulations.
• Financial analysis.
• Community and civic involvement, if possible.
• Complete assigned annual training requirements.
• Meet specific goals and expectations assigned.

EDUCATION and/or EXPERIENCE:

Experience and progressive responsibilities in loans, proven knowledge and skill levels in all aspects of loan documentation and lending related compliance, strong organizational and administrative skills. At minimum High School diploma or equivalent in combination with prior banking or lending knowledge, Associates Degree preferred. For advanced levels of lending, a four-year degree and/or additional experience are preferred. Bilingual a plus.