Lending Officer

Description

General Summary

Under general supervision, but in accordance to established policies and procedures, develop, and maintain loan portfolio.

Principal Responsibilities and Duties

• Responsible for staying up to date on and complying with all applicable banking laws and regulations as well as CNB policies and procedures.
• Develop, maintain, and grow a loan portfolio by determining the customer’s needs and recommending the right loan products to help meet their goals.
• Generate new prospects as potential bank customers and develop existing customer relationships.
• Maintain an active knowledge base of loan products and an understanding of the qualifications required to accurately provide customers with an explanation of loan types and terms.
• Obtain, verify, maintain, and analyze the proper documents relating to the bank’s procedures for each type of loan.
• Communicate with team members and applicants to obtain additional loan information and documentation needed.
• Make sound lending decisions in accordance with policies and procedures.
• Make recommendations regarding selection of new employees, salary increases, promotions, transfers, disciplinary actions, and terminations.
• Maintain documentation on actions taken as the result of recommendations.
• Set performance goals, provide direction, and delegates.
• Provide training and provide general direction for direct reports.
• Provide leadership and develop skills of junior lending staff, thus providing advancement opportunity for said staff.
• Maintain regular and punctual attendance.
• Work cooperatively with others.

• Performs other duties as required or assigned which are reasonably within the scope of the duties in this job classification.

Qualifications

Skills and Abilities Required

• Excellent communication and customer service skills.
• Ability to understand and analyze financial statements, credit reports, tax returns, and all other financial documents.
• Must have good managerial skills for working with employees.
• Preferred Bilingual English/Spanish fluency to communicate with the Hispanic customers.
• Ability to adapt to technological changes and apply new knowledge to responsibilities.

Working Conditions

• Indoor, in an office environment, with a typical 40-hour workweek.

Physical Requirements

• Occasional moving of files weighing 10 pounds.
• Constantly operate phones, computers, copies, and other office equipment.