Consumer Real Estate Lender & Credit Analyst

Job Description

Job Description

Major Function :

Responsible for compliance and origination of real estate loans. Will also perform independent analysis for commercial loan requests for the purpose of recommending approval, denial, or alternative structures. Documents and tests the ongoing performance of borrowers and guarantors.

Essential Duties:

• Provides high level of quality service to customers by taking loan applications, locking in rates, and closing loans.
• Develops business by establishing new contacts and maintaining good public relations.
• Maintains working knowledge of, and ensures bank compliance with laws, regulations and policies.
• Originates consumer loans, including home equity loans and home equity lines of credit.

• Works closely with the Loan Officers to process requests for financing from inception through payoff, including renewals and modifications of existing loans and new requests.
• Utilizes an optical Loan Documentation system to file, store, and manage information of all types.
• Analyzes year-end and interim financial statements, including performance ratios.
• Researches industry specific information from outside sources.
• Reviews compliance with all applicable laws and regulations relating to the commercial lending function and internal loan policy.
• Prepares written commercial loan analysis in consultation with the Loan Officers.
• Applies established procedures for disbursing loan proceeds over the life of construction and development loans. Ensures that equity injections are tracked and received.
• Performs on-site collateral audits for existing and prospective customers preparing written audit findings and recommendations.
• Prepares reports for Management and the Board as assigned.
• Provides high level of quality service to our existing customer base.
• Assists other employees/departments/branches to promote teamwork and good communication.
• Demonstrates Boone Bank & Trust Co.’s Core Values of Quality Service, Integrity, Responsibility, Expertise, and Community-Focused every day.
• Other duties as assigned.

Requirements:

Education & Experience

• Bachelor’s degree in Accounting, Finance, or other business related degree.
• 3+ years of bank related experience.
• Previous experience in real estate underwriting and origination preferred.

Knowledge, Skills & Abilities

• Knowledge of mortgage lending regulations.
• Foundation in accounting principles as they relate to banking.
• Ability to analyze and interpret financial statements.
• Basic computer literacy with knowledge of computer software (i.e. Microsoft Windows Operating System and Office applications).
• Well organized, accurate and detail oriented.
• Excellent verbal, non-verbal, and written communication skills.
• Ability to work under pressure and multi-task.
• Ability to work independently or in team environment.
• Strong reading, writing, and basic mathematical skills.
• Excellent customer service and interpersonal skills.
• Demonstrated analytical decision-making and problem-solving skills.
• Ability to be registered under the Nationwide Multistate Licensing System (NMLS).

Reporting to this position: No direct reports

Physical Demands & Work Environment: The physical demands and work environment characteristics described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Travel to business or work events as needed. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Physical demands: While performing the duties of this job, the employee is frequently required to sit. The employees will frequently use and talk on the telephone and use a computer and other office equipment. May occasionally be required to travel for business or work events.

Work environment: While performing the duties of this job, the employee is frequently located inside an office building. The employee is occasionally exposed to weather conditions prevalent at the time.

Boone Bank & Trust Co. is an Equal Opportunity Employer

Monday-Friday 8:00am-4:30pm with an opening or closing rotation and Saturday rotation 9:00am-12:00pm.