Retail Lender

Benefits:

401(k)

Bonus based on performance

Dental insurance

Health insurance

Paid time off

Vision insurance

Summary:

The lender purpose is to support the company’s mission statement, values, and sales goals by establishing new customer relationships and retaining and expanding existing customer relationships. The lender will analyze loan applications, decision loans within the lender’s individual lending authority, generate interest income, monitor and service existing loan customers, make credit decisions, collect on loans and market the bank’s services and products.

Duties:

Compile and analyze data for loan requests; outline loan terms and conditions and inform borrowers of loan commitments; assist borrowers by making appropriate recommendations concerning financing options and financial decisions

Originate and service business and individual loans both secured and unsecured

Screen loan requests based upon bank policies

Maintain compliance with loan policy, procedures and documentation, including loan package preparation, while properly structuring

Analyze financial information and loan collateral to determine strength of loan proposal

Write Credit Memorandum detailing borrower(s) credit strength, details of loan and other necessary information needed for a clear representation of credit package and recommendation for approval

Present loan to President/CEO, Underwriter and/or the Board of Directors for approval

Monitor past due reports and contact customers to determine solution

Maintain accurate pipeline report

Renew matured loans in a timely manner

Provide on-going service to existing clients and branch personnel regarding loan questions and issues

Establish relationships to expand lending opportunities

Produce quality referrals through regular calls on existing and prospective customers as well as referral sources

Attend and participate in community events, volunteer events, and local organizations to represent the Bank and make business contacts

Other duties as assigned

Skills, Knowledge, Abilities:

Must work well in a fast paced environment

Must be able to multi-task

Must show strong initiative

Possess good organizational skills

Must possess interpersonal skills to communicate with customers, vendors, and colleagues in a courteous and professional manner at all times

Strong desire to work in a team environment and support the Bank with a positive attitude

Foster a culture consistent with our core values of Do the Right Thing, Respect, Positivity, Innovation, Teamwork and Accountability

Education:

High School diploma or equivalent

College degree in Finance, Business, or a related field is preferred