Responsibilities

• Review Consumer loans via the Consumer LOS for quality assurance, adherence to compliance policies, regulatory polices (such as Fair Lending) underwriting, policies, and documentation requirements
• Review Consumer loans (including bank-wide employee loans) via the various Consumer loan platforms
• Perform credit analysis and investigations as outlined in bank policy and procedures
• Communicate loan decisions to customers in a timely manner
• Review exceptions and collaborate with supervisor and / or management to resolve
• Assist Supervisor(s) with testing loan system updates
• Assist Supervisors(s) with daily operations as they pertain to Direct Lending
• Assist Supervisor(s) with updating procedures as needed
• Provide periodic reports to Supervisor(s) and / or management
• Provide quality service to customers (internal and external), coworkers and management
• Comply with operating policies and procedures to maintain adequate controls and to ensure the Bank’s adherence to outside regulatory agencies
• Assist with and absorb additional Direct Lending related functions resulting from a merger / acquisition
• Actively cross-sell other bank loan and deposit products
• Perform other duties as assigned or directed
• Maintain proficient knowledge of laws and regulations; demonstrate ongoing compliance with all laws and regulations applicable to position;

ensure ongoing adherence to pertinent policies, procedures, and internal controls, and meet all job-specific training requirements in a timely manner

Ancillary Duties :

• May travel throughout branch network
• As an integral member of the Direct Lending Department, this position is responsible to assist the department, as well as the Bank, in achieving their goals

Qualifications

Education, Training and Requirements :

• High School Diploma or GED required
• Associates degree in a related field of study strongly preferred
• Valid driver’s license

Skills :

• Keen attention to detail
• Proficient reading, writing, grammar and mathematical skills
• Proficient interpersonal relations and communicative skills
• Adaptable
• Flexible and understanding of change
• Positive attitude with lever-headed approach
• Creative thinker
• Collaborative
• Team player
• Good work ethic
• Ability to manage responsibilities well
• Able to maintain focus within an open floor plan office setting consisting of simultaneous professional conversations

Experience :

• Minimum of two (2) years’ experience in a related field required
• Minimum of one (1) year of lending or underwriting experience highly preferred.

Other Job Information

Hours : 40 hours / week; Monday-Friday 8 : 00-4 : 30; may be required to work nights, weekends, and Holidays

Compensation : Commensurate with experience plus potential for annual merit increase. In addition to your competitive salary, you will be rewarded benefits including : 11 paid holidays, paid vacation, Medical, Vision & Dental insurance, 401K with generous match, Pension, Tuition Reimbursement, Banking discounts and the list goes on!

Physical Requirements :

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee may be required to stand, walk or sit.

Use hands and fingers, handle or feel, reach with hands or arms, and speak and hear. The employee may occasionally be required to lift and or move up to 25 pounds.

Specific vision abilities required by this job include close vision, and the ability to focus.

An Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability.

Minimum

USD $21.75 / Hr.

Maximum

USD $30.50 / Hr.

Last updated : 2024-04-27