Consumer Lender (Tulalip)

Consumer Lender

Native American Bank is a one-of-kind institution that is an Agent of Change for Native Communities. At our core, we are committed to the vision and mission of the Bank. We believe our employees are our greatest asset, and we are at our best through teamwork.

The Consumer Lender plays a crucial role in managing and expanding the consumer lending portfolio. As a key member of our team, you will be responsible for providing specialized lending services to meet the financial needs of our community while upholding our commitment to cultural sensitivity and the mission of supporting economic prosperity in indigenous communities. The position must have the ability to navigate in ambiguity and work in an environment of process development and improvement.

*This role is only open to candidates currently residing within a 45 miles radius from Tulalip, WA at this time.

Responsibilities

• Evaluate and process consumer loan applications, including mortgage loans, personal loans, auto loans, and other consumer credit products.
• Conduct thorough credit assessments, including analyzing financial statements, credit reports, and loan documentation.
• Develop customized lending solutions that align with the financial needs and goals of Native American clients.
• Ensure compliance with all applicable regulations, policies, and procedures related to consumer lending.
• Provide exceptional service to clients by understanding their financial needs and offering tailored lending solutions.
• Build and maintain strong relationships with community members, local organizations, and tribal entities.
• Offer financial education and guidance to clients on managing debt and improving credit scores.
• Represent the bank at community events and engage with tribal leaders and community organizations to promote lending programs and financial education.
• Collaborate with Branch leadership and other departments to support and implement community outreach initiatives and enhance financial literacy and related financial education programs within or near the reservation.
• Oversee the daily operations related to consumer lending, including loan processing, approval, and servicing.
• Ensure accurate and timely documentation and record-keeping for all consumer loans.
• Monitor loan performance and manage delinquency and collection efforts as needed.
• Stay current on relevant lending regulations, industry trends, and best practices.
• Ensure all lending activities are compliant with federal, state, and tribal regulations, as well as the bank's internal policies.
• Prepare and present reports on lending activities, portfolio performance, and trends to senior management.
• Analyze loan data to identify opportunities for improvement and develop strategies to enhance the lending program.
• Performs other related duties as necessary or assigned.

Qualifications

• Minimum of 5 years of experience in consumer lending, with a strong understanding of loan underwriting and credit analysis. A track record of launching new programs is essential.
• 3 5 years of working in a bank branch environment. Have an ability to collaborate, be a team player and help where needed within the branch. This position will be the expert relationship builder within branch operations.
• Experience working with Native American communities, navigating applicable Trust requirements and understanding of tribal financial practices is highly desirable.
• Possess ability to understand the local market and community and can identify opportunities that align with community needs with the bank's products and mission.
• Excellent verbal and written communication skills, with the ability to effectively interact with clients, community members, and tribal leaders.
• Strong interpersonal skills with a commitment to providing outstanding customer service. Must be able to demonstrate initiative in building relationships, driving new business, and maintaining a strong pipeline in an emerging market.
• Proficiency in banking software and Microsoft Office Suite.
• Ability to analyze financial data and make informed lending decisions.
• Deep respect and understanding of Native American culture, traditions, and values.
• Ability to work sensitively and effectively within the tribal community.
• Strong organizational and time management skills, with the ability to handle multiple tasks and priorities effectively.
• Attention to detail and accuracy in loan processing and documentation.
• Bachelor's Degree in Finance, Business Administration, or equivalent experience.
• Proven experience in consumer lending, with a track record of success in loan origination and management.
• Familiarity with HUD-184 loan application and process is a PLUS.
• Experience with product development and implementation is a plus.

Physical Requirements

• Prolonged periods of sitting at a desk and working on a computer.
• Must be able to lift 15 pounds at times.

Benefits

• Competitive salary and benefit package
• Professional development opportunities
• Health, Dental and Vision Insurance
• Health Savings Account with company contribution
• Employer paid Short-term and Long-term disability insurance
• Employer paid Life Insurance
• 401(k) plan and matching
• RTD Eco Pass (Denver) / ORCA (Seattle)
• Pet Insurance
• Paid Time Off
• Volunteer Time Off

Company Culture

Native American Bank is a full-service community bank committed to meeting the financial needs of individuals, businesses, and non-profits within the Native American community and beyond. Our focus is on delivering a personalized banking experience that honors cultural sensitivities. Since our founding in 2001, our mission has been to empower Native American and Alaskan Native individuals, enterprises, and governments by providing affordable and flexible banking and financial services tailored to their unique goals.

We take pride in cultivating personal relationships with our customers while upholding the highest standards of professionalism. Our diverse range of services includes personal and business banking, lending solutions, and more, all designed to support our clients' aspirations.

At Native American Bank, we go beyond traditional banking by encouraging our employees to engage in community service through our Mission in Motion program. We believe in giving back and nurturing a collaborative spirit among our neighbors. By joining Native American Bank, you play a crucial role in helping our community thrive while ensuring that our financial practices are guided by our cherished traditional values.

Additional Information

• Pass background check prior to hire.
• This position requires a 100% in-office schedule to candidates currently residing within a 45 miles radius from Tulalip, WA at this time.
• The annual salary range for this full-time position: $63,000 - $80,000.