CONSUMER LENDER

Regular Full-Time

Hamilton, Hamilton, MT, US

Stevensville, Stevensville, MT, US

This position may be located at our Stockman branch in Stevensville or Hamilton.

Position General Responsibilities:

Generate and administer a high-quality Consumer Loan Portfolio consistent with established lending policies.

Education, Experience and Certification Requirements

Note: Only minimum responsibilities are listed. Other responsibilities may be required as requested by management.

Basic Qualifications:

• Strong commitment to providing exceptional customer service.

• 4 years business related college degree and/or equivalent experience.

• 1-3 years consumer underwriting and/or lending experience.

• Strong credit analysis and decision making skills.

• Strong time-management skills with ability to work independently and to prioritize multiple tasks.

• Strong communication computer skills.

Preferred Qualifications:

• Previous lending/underwriting experience.

• Previous Bank and/or sales experience helpful.

Dimension of Job:

Responsible for Consumer Loan Portfolio. Will have extensive public or telephone contact and is to conduct relationships in a manner that will enhance the overall marketing effort of the Bank. This position may be called upon to call (telephone, personal visit or letter) on customers or prospective customers and/or to participate with community organizations and community projects.

Position Specific Responsibilities, Duties and Competencies

1. Consumer Lending Functions (Consumer, Student Loans and Credit Cards):

• Maintain an extensive knowledge of loan and non-deposit services by studying product information, bulletins, regulations and updates. Attend periodic training sessions and stay abreast of new procedures, marketing techniques, rules and regulations.

• Understanding and compliance with SB/SFC lending policies and procedures and documentation of consumer loans.

• Origination of new and renewal consumer loans.

• Lien filings and insurance follow-up.

• Responsible for regulatory compliance – all consumer loans.

• Credit card lending and overdraft protection. Review and make credit decisions on new applications.

• Review lines of credit for potential increase, decrease or adverse action.

• Student Loans – have knowledge of MGSLP and MHESAC.

• Train back-up in Consumer Lending when directed.

1. Loan Administration:

• Supervision of consumer loans collection procedures.

• Direct contact with delinquent borrowers.

• Recommendations for definite plans of action for collection of difficult accounts.

• Regular reporting of delinquent loans and loans in jeopardy.

• Monitor past due totals and percentages and report to Senior Management.

• Supervision and record keeping of property held for resale.

• Develop and implement disposal plans.

• Adherence to loan limits.

• New Business Development, New Product Development and Marketing:

• Responsible for generating new consumer loan business, employee advantage and direct deposit.

• Regular contact with merchants who might refer business to Stockman Bank.

• Call on prospective direct loan customers.

• Refer potential customer to other Bank personnel as appropriate.

• Loan activity should be covered by insurance products when applicable.

• Assist with development of new programs and products for consumer loan customers.

• New ideas for generation of income.

• Monitor our competition as to rates and prices.

• Assistance with information of price changes.