What are the responsibilities and job description for the Consumer Loan Officer position at First Nebraska Bank?
Summary:
This is a full-time M-F, 40 hours a week position and is located in Weeping Water, NE and is not a remote position. This position is responsible for developing new business and closing on consumer loans, as well as maintaining and servicing an existing loan portfolio. It involves calling upon potential or existing customers to acquire new loans, maintain current banking relationships, and promote business development. Loan types would primarily be installment and HELOC loans. Provides general information and cross-sells loans and services to customers and prospective customers.
Primary Responsibilities
- Interviews loan applicants to develop financial needs and evaluates loan approval/denial within approved lending limits and in accordance with the bank’s lending guidelines
- Communicates with related-team members and applicants to explain credit decisions and to obtain additional loan information and documentation
- Presents loan requests above lending limit for appropriate loan committee/senior-level approval
- Closes loans, assuring conformity with all regulations and proper documentation
- Contacts delinquent customers to collect on past due loans
- Work with Branch personnel in the expansion and promotion of bank products and services to existing and new or prospective deposit and lending customers. Displays expertise in all FNB products and services and can effectively cross-sell banking products
- Represents the bank in various civic and community organizations to further enhance its image and develop additional business both during and after bank office hours
- Additional related duties may be assigned
- Accountable for complying with all Bank Secrecy Act and Anti Money Laundering regulations, bank policies and procedures
Secondary Responsibilities:
- Backup customer service representative as needed. Process transactions: deposits & withdrawals, cash checks, account transfers and cashier checks accurately and according to established guidelines, apply payments for loans, over-draft protection, lines of credit, and safe deposit boxes.
- Maintain cash recycler and ensure cash is secure at all times. Proof daily work to ensure accuracy.
- Assist with daily branch balancing, including night deposits
Skills
- Strong customer service skills and enjoys working with the public
- Self-directed and growth oriented. Takes initiative and uses good judgment in making appropriate decisions
- Ability to analyze credit factors, including various financial statements and tax returns
- Organized, accurate and detail-oriented
- Ability to sell additional FNB products and services to clients
Qualifications
- Minimum 1 year of banking experience
- Valid Driver’s License
First Nebraska Bank is an Equal Opportunity Employer