Consumer Lender

Overview:

The Consumer lender is responsible for overseeing loan approvals/denials, loan products, rate structures and underwriting requirements for consumer lending. SHELBY STATE BANK IS LOCATED IN OCEANA COUNTY IN WEST MICHIGAN.

Responsibilities and Results:

·       Review loan requests; approvals/denials.

·       Works with customers to understand their lending needs and explain loan options.

·       Advise on compliance and documentation issues.

·       Prepares files for closing.

·       Ensures that all Bank policies and procedures are in place and followed.

·       Negotiates rates and terms with customers.

·       Analyze current market rates and products.

·       Develop new products or terms for new and existing loans and recommend changes if necessary.

·       Work with Branch Officers on loan policies, documentation and requests.

·   Participates in business development activities to build and maintain strong relationships with customers, realtors, and other referral sources.

·       May work in processing and closing mortgage, HELOC and installment loans.

·       Supports the Bank’s BSA/AML compliance efforts by remaining alert to unusual or suspicious activity and adhering to related policies, procedures and reporting requirements.

·       Delegate work to Consumer and Mortgage Loan Processors.

·       Other duties as assigned.

QUALIFICATIONS

Education:

• Bachelor’s degree in finance, accounting or related field preferred or 5 years of related experience required.

Work Experience:

• 4-6 years of experience in a finance or accounting role required.

Skills and Knowledge:

• Knowledge of computer programs such as Word, Excel and various other programs is required. 
• Supervisory experience and good working knowledge of the functions and operations of lending.
• Ability to collaborate with other departments and all levels of associates.
• Excellent communication, leadership, organizational, and decision-making skills.
• Strong written and oral communication skills.
• Ability to effectively manage sensitive situations and confidential data.
• Ability to maintain positive relationships with others are expected.
• Ability to identify, assist with and resolve routine problems.

Other Job Responsibilities:

·    Must be able to keep all sensitive information confidential. 

·    Speed and accurate use of computer, calculator and other business machines is required. 

·    Willingness to assume new responsibilities, ability to perform under pressure and adapt to changing and possibly stressful environment is expected. 

·    Working hours may vary. May be required to attend various bank functions after hours. Occasional travel with personal vehicle may be required.

·    On time attendance is expected.

Working Conditions:

·   Generally good with some exposure to noise, heat, dust or other adverse factors. 

·   Climbing of stairs and some lifting of heavy items. 

·    A high amount of pressure to work efficiently, accurately and maintain good employee and customer relations. 

·    Considerable effort and eye strain from computer work and continued checking of all detail work in the department.

All applications are considered without regard to race, color, religion, creed, gender, height, weight, familial status, national origin, age, disability, marital status, citizenship status, disabled veteran or Vietnam Era Veteran status. We are an Affirmative Action/Equal Opportunity Employer.