Consumer Lending Associate

There are important qualities you look for in an employer – meaningful work, community engagement, competitive benefits, commitment to employee development, and so many more. At Bankers Trust, our team members experience an inclusive and community-focused culture and we’re proud of the premier workplace we’ve created. We regularly receive best in class results through our biennial employee engagement survey. We’re also proud to receive recognition from others, including our designation as a “Best Place for Working Parents®,” being a four-time recipient of the Greater Des Moines Partnership’s Inclusion Award, and being named one of the “Best Businesses Supporting Local Charity” by readers of the Business Record. 

Job Summary:

The Consumer Lending Associate provides consumer lending support to all regional retail markets/departments, including Private Banking. This support consists of loan document preparation, underwriting, denials, regulatory oversight, property evaluations and appraisal reviews. 

Primary Functions and/or Responsibilities:

• Prepares consumer loan documents for all markets and underwrites and approves applications for credit presented by lenders within the loan approval authority assigned
• Provides direction to the Retail Branches regarding all required disclosures for Consumer Lending and also provides direction for lenders in underwriting and compliance
• Handles loan requests for document preparation, timely closings and boarding
• Reviews lending decisions for denials, and prepares and mails Adverse Action Notices to applicants and maintains a record on denial log
• Obtains and reviews Title Certificates, Attorney Opinions, appraisals, and Flood Determination reports to determine BT collateral position is secure on consumer loans
• Reviews appraisal reports to determine that comparisons provided by appraiser are reasonable and justified
• Completes Property Evaluation Forms to establish values on real estate collateral
• Provides back up support to the Consumer Lending Specialist(s) for Laser Pro Systems Administrator functions
• Performs other duties as assigned 

Education and/or Experience:

• High school diploma or GED preferred
• At least three years of relevant accumulated experience required
• At least six to twelve months of experience preparing and/or reviewing appropriate loan documentation desired
• At least one year of experience in consumer lending underwriting desired 

Specific Skills, Knowledge & Abilities:

• Knowledge of consumer and real estate loan documentation
• Understanding of Consumer Lending and relevant regulations
• Knowledge of transaction processing (Laser Pro System helpful)
• Knowledge of the FIS Host System is helpful
• Knowledge of the Info Access System is helpful 

Hiring Salary Range

The hiring range below reflects targeted base salary. Actual compensation will be determined based on the candidate’s prior related experience & education and will be finalized at the time of offer. In addition to base salary, most positions are also eligible to participate in our annual bonus program. Select positions may also be eligible to earn incentives and/or commissions. Hiring Salary Range: $23.50 - $27.50 (Annualized at 40 hours per week: $48,880 - $57,200).

Benefits

• Group Health, Dental, and Vision Insurance
• Generous Paid Time Off (PTO)
• Volunteer Time Off (VTO)
• 401(k) plan with lucrative company match
• Tuition assistance
• Company Paid Life Insurance
• Paid Parental Leave
• Lifestyle Accounts that provide employees with reimbursement for the things that are most important to them such as childcare, student loan payments, gym memberships, pet insurance and much more
• Team Member Banking - a suite of products and services with special benefits for employees 

Hybrid Eligibility: Position may be eligible for a hybrid work schedule (requiring some days in the office each week).

AFFIRMATIVE ACTION/EQUAL OPPORTUNITY EMPLOYER

“PROTECTED VETERANS” AND “INDIVIDUAL WITH DISABILITY”

Salary : $24 - $28