Platte Valley Bank - Cheyenne
JOB SUMMARY:
Provide loan servicing on existing commercial, agricultural, and consumer loan accounts according to procedures. Extend credit to new and existing customers through the commercial, agricultural, and consumer lending departments. Expand lending relationships resulting in the extension of credit to new and existing customers. Provide assistance to loan officers in gathering and evaluating credit information on current and prospective customers, preparing written reports of analysis, and preparing LPM’s for presentation. Develop and maintain expertise in SBA, USDA, and FSA guaranteed loan programs for Company-wide usage.
RESPONSIBILITIES:1. ESSENTIAL FUNCTIONS:
a. Assists in interviewing applicants and may request specified loan information from loan applicants.
b. Meet with loan customers to determine acceptable risk within bank policy and recommend loans to higher authority.
c. Attends and assists in the needs of present and potential customers seeking loans and maintaining relationships with customers. Analyzes credit worthiness of applicants by reviewing loan applications and credit and financial information, including preparing or obtaining financial statements, cash flows, tax returns, credit bureau reports, banks reports, and other company report and collateral analysis.
d. Assists in evaluating credit quality and suggesting loan to be up or downgraded and completing quarterly problem loan reports.
e. Serves as the SBA, USDA, and FSA guaranteed loan programs expert for the Company.
f. Service loans in a manner that satisfies quality standards and qualifications established by management.
g. Call on potential or existing customers with other lenders and conduct inspections as requested.
h. Participate in Customer inspections.
i. Research and resolve problems and respond to customers’ inquiries on accounts.
j. Cross sell other bank services and refers customers to other departments / subsidiaries as appropriate.
k. Provide opportunities for relationship building by involving oneself in civic and community organizations.
l. Assist seasonally with Credit Analysis for Credit Administration Department.
m. Other duties as assigned.
REQUIREMENTS:Minimum Qualifications:
1. High school education and two years’ financial industry work experience preferred. Previous lending support experience helpful.
2. Math proficiency and aptitude.
3. General areas of competency: decision making, dependability, evaluation skills, interpersonal skills, prioritizing, problem solving, and time management.
4. Professional appearance.
5. Demonstrated interpersonal skills.
6. Effective oral and written communication skills (including telephone).
7. Self-sufficient/self-starting
8. Must be capable of working with and maintaining the confidentiality of sensitive information.
9. Must possess skills to maintain harmonious working relationships with supervisors, and co-workers
Physical Requirements:
Light Work - exerting up to 20 pounds of force occasionally, and/up to 10 pounds of force frequently, and/or a negligible amount of force constantly to move objects. Reaching, fingering, grasping, repetitive motions, stooping, crouching, standing, walking, lifting, climbing, kneeling, talking, hearing, pulling, pushing, thinking, concentrating, and interacting with others.
You should be capable of performing in a reasonable manner, with or without reasonable accommodation, the activities involved in this job. A description of the activities involved in this job is listed above.
Machines Used:
Computer, scanner, fax, copier, telephone, 10-key adding machine and phone system.
Note: The statements herein are intended to describe the general nature and level of work being performed by employees assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required of personnel so classified.