What are the responsibilities and job description for the Loan Officer/Credit Analyst position at Citizens State Bank and Trust Company?
Overview
We are seeking a dedicated and knowledgeable Loan Officer to join our financial services team. In this role, you will be responsible for guiding clients through the loan origination process, from application to closing. You will leverage your expertise in financial sales and customer service to provide tailored solutions that meet the needs of our clients while ensuring compliance with all relevant regulations.
Duties
- Evaluate and analyze client financial information to determine eligibility for loans.
- Guide clients through the loan application process, providing clear explanations of terms and conditions.
- Negotiate loan terms with clients and lenders to secure favorable outcomes.
- Process loan applications efficiently using our software.
- Conduct credit analysis and assess risk factors associated with loan applications.
- Collaborate with lending committee to facilitate smooth transactions.
- Prepare and review contracts, ensuring accuracy and compliance with state and federal laws.
- Maintain detailed records of all client interactions and transactions in accordance with company policies.
- Provide exceptional customer service throughout the loan process, addressing any questions or concerns.
Qualifications
- Excellent negotiation skills with a focus on achieving client satisfaction.
- Basic math skills are essential for accurate calculations related to loans and interest rates.
- Proficient in using 10 key typing for data entry tasks.
- Ability to analyze credit reports and perform credit analysis effectively.
- Strong communication skills, both verbal and written, to interact professionally with clients and colleagues.
- A commitment to maintaining confidentiality and adhering to ethical standards in all transactions. Join us as we help individuals achieve their financial goals through responsible lending practices. Your expertise will play a crucial role in building lasting relationships with our clients while contributing to the overall success of our organization.
Job Type: Full-time
Pay: $50,000.00 - $75,000.00 per year
Benefits:
- 401(k)
- Flexible schedule
- Paid time off
Work Location: In person
Salary : $50,000 - $75,000