What are the responsibilities and job description for the TRID/Small Business Lender position at Central Bank?
Position Summary
Primarily manages and develops credit relationships with individuals and small businesses seeking a variety of secured and unsecured loans, including commercial and real estate. Portfolio consists of smaller commercial loan accounts, mostly under $250,000. Makes decisions within prescribed guidelines. May assist higher level Commercial Lender with more complex loan relationships and opportunities to gain knowledge and experience. Will work in conjunction with the Bank’s retail branches and business partners to receive lending referrals. Refers loans over the threshold to other commercial lenders. Responsible for the overall profitability and quality of their loan portfolio with acceptable risk. Familiarity with the SBA lending program. Ensures adherence to established bank loan procedures, practices and reporting requirements. Responsible for sales development and referral activities including sales training and activities. Creates a teamwork environment to ensure that quality service is provided, and sales/business development goals are met. Conducts relationships and activities consistent with established Bank policies, procedures and systems, the corporate code of conduct, Bank Secrecy Act and all applicable State and Federal laws and regulations.
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Bachelor’s degree; or equivalent combination of education, training and experience that provides the required knowledge, skills and abilities.
Typically, less than three years lending experience. Knowledge of current bank lending procedures and policies, lending regulations (state and federal), lien laws, collection/bankruptcy regulations, and loan documentation preferred. Basic knowledge of commercial lending. Familiarity with the SBA lending program.
Ability to analyze financial statement and loan risk.
Possess good judgment skills. Ability to make decisions within prescribed guidelines, research and solve problems, work independently, handle confidential information and manage multiple tasks.
Thorough knowledge of bank products and services. Demonstrated skill in soliciting business for bank deposit products and loan services. Ability to identify client needs, present banking solutions and bank products. Ability to recognize closing opportunities and retain and grow customer relationships.
Ability to read, write, and speak English.
Excellent verbal, listening and communication skills. Strong customer relations skills and ability to work with employees and customers in a cooperative manner. Ability and desire to work as part of a team, and with people of diverse backgrounds.
Strong organizational skills and attention to detail.
Ability and desire to represent Central Bank of the Ozarks Market in the community.
Willingness to assume additional responsibilities, duties, and projects as they arise.
Ability to operate office equipment including PC’s, calculators, telephones, voicemail, and copy/printer/fax machines.
Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
Ability to drive a vehicle. Must maintain a current, valid driver’s license and an acceptable driving record for bank insurance purposes.
This position requires registration with the National Mortgage Licensing System and Registry, (NMLS), as created under the S.A.F.E. Act. The registration process can be found at the NMLS Resource Center located at http://mortgage.nationwidelicensingsystem.org
Primarily manages and develops credit relationships with individuals and small businesses seeking a variety of secured and unsecured loans, including commercial and real estate. Portfolio consists of smaller commercial loan accounts, mostly under $250,000. Makes decisions within prescribed guidelines. May assist higher level Commercial Lender with more complex loan relationships and opportunities to gain knowledge and experience. Will work in conjunction with the Bank’s retail branches and business partners to receive lending referrals. Refers loans over the threshold to other commercial lenders. Responsible for the overall profitability and quality of their loan portfolio with acceptable risk. Familiarity with the SBA lending program. Ensures adherence to established bank loan procedures, practices and reporting requirements. Responsible for sales development and referral activities including sales training and activities. Creates a teamwork environment to ensure that quality service is provided, and sales/business development goals are met. Conducts relationships and activities consistent with established Bank policies, procedures and systems, the corporate code of conduct, Bank Secrecy Act and all applicable State and Federal laws and regulations.
,
Bachelor’s degree; or equivalent combination of education, training and experience that provides the required knowledge, skills and abilities.
Typically, less than three years lending experience. Knowledge of current bank lending procedures and policies, lending regulations (state and federal), lien laws, collection/bankruptcy regulations, and loan documentation preferred. Basic knowledge of commercial lending. Familiarity with the SBA lending program.
Ability to analyze financial statement and loan risk.
Possess good judgment skills. Ability to make decisions within prescribed guidelines, research and solve problems, work independently, handle confidential information and manage multiple tasks.
Thorough knowledge of bank products and services. Demonstrated skill in soliciting business for bank deposit products and loan services. Ability to identify client needs, present banking solutions and bank products. Ability to recognize closing opportunities and retain and grow customer relationships.
Ability to read, write, and speak English.
Excellent verbal, listening and communication skills. Strong customer relations skills and ability to work with employees and customers in a cooperative manner. Ability and desire to work as part of a team, and with people of diverse backgrounds.
Strong organizational skills and attention to detail.
Ability and desire to represent Central Bank of the Ozarks Market in the community.
Willingness to assume additional responsibilities, duties, and projects as they arise.
Ability to operate office equipment including PC’s, calculators, telephones, voicemail, and copy/printer/fax machines.
Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
Ability to drive a vehicle. Must maintain a current, valid driver’s license and an acceptable driving record for bank insurance purposes.
This position requires registration with the National Mortgage Licensing System and Registry, (NMLS), as created under the S.A.F.E. Act. The registration process can be found at the NMLS Resource Center located at http://mortgage.nationwidelicensingsystem.org
Salary : $250,000