Personal Banker

Reports to: Branch Manager - Marietta/Belpre Purpose Provide information on credit union products and services in accordance with all credit union policies and procedures and Federal and State rules and regulations.Interview and evaluate applicants for routine loans and process loan applications.Gather background information and analyze loan applicants’ credit history.Approve or deny loan applications based on analysis.Operate with substantial credit authority. Duties and Responsibilities 1.Gather background information on loan applicants by interviewing loan applicants and obtaining credit bureau reports. 2.Assist members with the loan application process to ensure completeness of information. 3.Pull credit reports for all accounts, verify debts, and estimate monthly payments for any outstanding debts not listed and add them to debts on application. 4.Calculate debt-to-income rations on loan applicants. 5.Calculate how much of a loan applicant’s debt is secured or unsecured. 6.Complete loan applications over the phone and/or electronically. 7.Determine collateral needs and payment plans for members applying for loans. 8.Determine eligibility of loan co-maker from co-maker’s statement and credit rating. 9.Approve or deny loan applications. 10.When a loan is denied, explain reasons for denial in a professional, courteous manner. Work with member to provide recommendations or alternative options for other possible ways to secure a loan in the future. 11.Verify the accuracy of loan amounts and repayment terms on approved loan applications. 12.Complete loan documents and disburse loans when approved. 13.Implement new loan products and services in accordance with management direction. 14.Cross-sell lending and other credit union products. 16.Performs other related duties as assigned. Qualifications/Experience Minimum High School Diploma or GED equivalent is required; Bachelor’s degree preferred. Excellent oral and written communication skills. Thorough knowledge of lending criteria Good interpersonal skills to represent the Credit Union with members Proven strong financial analysis and loan underwriting skills. Demonstrated analytical, decision-making, and effective problem-solving skills. Extensive experience in real estate and consumer lending. #J-18808-Ljbffr Riverview Federal Credit Union