Consumer Lender | Macon, MO

Job Description

Job Description

P RIMARY PURPOSE OF JOB
The Consumer Loan Officer I position is responsible for soliciting, negotiating, underwriting and coordinating the closing of primarily basic consumer and real estate extensions of credit to establish their customer portfolio; and for adhering to lending policies designed to meet the bank’s overall goals.

E SSENTIAL FUNCTIONS AND PERFORMANCE AREAS - Other duties may be assigned

• Engages in business development activities and solicitation of new business; actively involved in instilling and maintaining a positive sales environment by developing a list of active prospects.
• Develops a relationship with potential and current customers; interviewing customers to obtain information needed to make credit decision; establishing proper identification of new customers.
• Presents MA Bank’s product line up to customers in person and over the phone or online; listening to customer’s needs to help determine the best fit for the customer; cross-selling where appropriate by applying professional sales techniques
• Analyzes of applicant financial status, credit and property evaluations to determine credit worthiness. 
• Gathers and analyzes of all information necessary to present a financing request to Senior Management or Loan Committee for approval; meets with existing or potential customers; visiting sites of loans; negotiates loan terms and conditions; approves loans within established lending limits or refers and recommends acceptance to the appropriate lending authority.
• Collaborates with Loan Processing Manager to ensure coordination of processing of approved loans with Loan Processors and Loan Administration Specialist; ensuring loans are processed according to agreement, customer needs and conform to Bank lending policies; obtaining sufficient information and/or documentation from customers; solving problems relative to processing and servicing of loans within his or her portfolio; approving loan disbursements in accordance with agreements.
• Ensures that credit inquires and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved; ensuring that certification or deletion of collateral is made by the appropriate personnel.
• Prepares and signs documents for the lending area as needed (commitment, engagement, action and decline, letters, etc.)
• Develops and maintains knowledge of financial industry, economy, market conditions, rates, vendors and competition.
• Reviews daily NSF and overdraft reports for their customers.
• Approves or declines overdraft exceptions within established lending limits.
• Monitors loan account ratings for individual portfolio.
• Provides portfolio reports to Chief Lending Officer as requested.
• Develops and maintains an in-depth knowledge of current MA Bank products and services, as well as corresponding bank policies, procedures, and processes; stays current on regulations affecting MA Bank products and services.
• Provides effective customer service by answering customer questions; investigating and correcting errors; resolving problems or other issues as required ensuring staff are also providing effective customer service. 

ADDITIONAL JOB DUTIES

• Represents MA Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image and develop additional business.
• Promotes other bank products by staying current on products available in other bank departments; matching customers to new services and product promotions; ascertaining customers' needs.
• Complies with bank operations and security policies and procedures.
• Maintains a professional appearance and work area; dressing in accordance with bank dress code; keeping work area stocked with required supplies; organizing workspace for efficiency and appearance; reporting malfunctions of computers and other equipment.
• Maintains customer confidentiality and protects bank operations by guarding customer’s personal and account information; being vigilant regarding potential information security threats
• Maintains knowledge of and complies with regulatory guidelines governing financial institutions and MA Bank policies and procedures by completing assigned and voluntary training; reading and reviewing MA Bank polices & procedures at time of hire and subsequent revisions.
• Other duties and responsibilities, as assigned.

K NOWLEDGE, SKILLS, AND ABILITIES

• Comprehensive knowledge of financial lending standards, principles and practices including good understanding of lending calculations (APY, APR, amortization, etc.)
• Good persuasion skills with ability to motivate and influence others and cultivate key relationships in the community.
• Proven ability to ensure that all assigned department tasks/projects are fully implemented and completed in a timely and professional manner.
• Good verbal, written and presentation communication skills.
• Ability to exercise discretion and independent judgement and work independently utilizing strong time management and planning skills to meet deadlines. 
• Proven ability to work well in a team environment.
• Ability to complete daily tasks with minimal supervision or oversight.
• Ability to establish and maintain effective working relationships with staff and other employees.
• Good knowledge of lending software including Onboard Loans Lending Platform or comparable web-software.
• Experience working with Microsoft Office including proficiency in Word and Outlook. Good working knowledge of Excel and WebEquity software preferred.
• Experience working with Adobe Acrobat and electronic signature software products, such as, E-Sign.
• Perform other related work as assigned.

ORGANIZATIONAL CORE COMPETENCIES
Building Trust: Interacting with others in a way that gives them confidence in one’s intentions and those of the organization.
Customer Focus: Ensuring that the constituent perspective is a driving force behind business decisions and activities; crafting and implementing service practices that meet customers’ and own organization’s needs.
JOB SPECIFIC COMPETENCIES
Building Customer Loyalty: Effectively meeting customer needs; building productive customer relationships; taking responsibility for customer satisfaction and loyalty.

Contributing to Team Success: Actively participating as a member of a team to move the team toward the completion of goals.

Decision Making: Identifying and understanding issues, problems, and opportunities; comparing data from different sources to draw conclusions; using effective approaches for choosing a course of action or developing appropriate solutions; taking action that is consistent with available facts, constraints, and probable consequences.

Quality Orientation: Accomplishing tasks by considering all areas involved, no matter how small; showing concern for all aspects of the job; accurately checking processes and tasks; being watchful over a period of time.

Sales Ability/Persuasiveness: Using appropriate interpersonal styles and communication methods to gain acceptance of a product, service, or idea from prospects and clients.

E DUCATION, TRAINING AND EXPERIENCE REQUIREMENTS

• Bachelor’s degree in accounting, finance, business or related area or equivalent combination of education and related work experience required
• Some experience in consumer or residential lending preferred.

P HYSICAL CONTEXT AND WORK ENVIRONMENT Physical Requirements Percentage of Work Time Spent on Activity 0-24%25-49%50-74%75-100% Seeing: Must be able to see to read documents/reports/floor plans, use computer and drive a personal vehicle.X Hearing: Must be able to hear well enough to communicate with branches, coworkers and general public.X Sitting:  Must be able to sit for long periods of time.X Standing/Walking: Must be able to move about the work area.X Climbing/Stooping/Kneeling: Must be able to stoop or kneel to pick up items off the floor and check equipment.X Lifting/Pulling/Pushing : Must be able to lift 20 pounds with or without reasonable assistance.X Driving:  Must be able to drive locally for work-related assignments. X Grasping/Feeling: Must be able to type, handle documents, and use equipment and electronic devices.X

The work environment is usually a well-lighted, environmentally controlled indoor environment with consent moderate level of noise.  Position will require occasional local travel for customer solicitation as needed and for training purposes. 

The statements herein are intended to describe the general nature and level of work being performed, but are not to be seen as a complete list of responsibilities, duties, and skills required of personnel so classified.  Also, they do not establish a contract for employment and are subject to change at the discretion of the employer.

 

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