Consumer Loan Officer

EOE Statement We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status or any other characteristic protected by law. Category Lending Full-Time/Part-Time Full-Time Location Amanda Position Consumer Loan Officer Description Summary Kingston National Bank is a community bank dedicated to providing the communities we serve with superior banking solutions throughsmall town service. At the heart of our organization are the principles that guide how we serve our customers, support our employees, and strengthen our community. As a locally rooted community bank in Ohio, these values reflect who we are and what we stand for: Service Excellence - Employee Focused - Remaining Independent - Community Commitment Help people. Build relationships. Grow your career. Are you someone who loves solving problems, talking with people, and making a real difference in your community? We are hiring a Consumer Loan Officer at our Amanda office location! The Consumer LoanOfficer services a loan portfolio and develops new relationships through prospective customer calling. Reviews, rates, and advises financial institution on approved loans by working within the Bank’s credit policy. Analyzes applicant’s financial status and loan repayment ability, completes appropriate loan application, and decisions the applications. Services loan portfolio on an ongoing basis. A community-minded individual who will represent the Bank at various business and community functions. Essential Functions Attends to the needs of present and potential customers seeking loans that involve unsecured funds and/or loans secured by mortgages or other collateral. Interviews loan applicants to develop information concerning their needs and desires, abilities, and earnings to determine whether a loan is an acceptable risk. Makes decisions on loans while adhering to Bank’s lending policy. Obtains financial data, conducts credit checks, analyzes the data, and shares with superiors as needed. Makes loan decisions based on credit worthiness. Makes those loans within assigned lending limit, or makes recommendations to superiors when the loan is over assigned loan limit. Follows current loans to monitor the loan payments and initiate the collection process. Calls on potential and/or existing customers to develop new business and increase existing business. Promotes and cross-sells additional KNB products and services tailored to customer needs, including deposit options that facilitate simple and secure loan payments. Files titles, mortgages, liens and conducts site visits. Represents the bank at various community functions. Updates current knowledge on compliance and risk management. Other Duties Please note this is not a comprehensive listing of activities, duties or responsibilities that are required of the employee. Duties, responsibilities and activities may change or new ones may be assigned at any time with or without notice. Education & Experience College degree preferred. Five years in lending and credit analysis experience required. Skills & Abilities Excellent communication skills Excellent interpersonal and customer service skills Ability to prioritize tasks Ability to act with integrity, professionalism, and confidentiality Excellent organizational skills and quantitative reasoning Relationship building skills Problem solving skills, applied mathematics, and numerical proficiency Proficiency in Microsoft Office Suite - including Word, Excel, Outlook & Teams Work Environment No adverse environmental conditions expected. Remaining in a stationary position, often standing for prolonged periods. Moving about to accomplish tasks or moving from one worksite to another. Communicating with others to exchange information. Repeating motions that may include the wrists, hands and/or fingers Position Requirements This position is currently accepting applications. #J-18808-Ljbffr