Lender - I

South Central Bank is seeking a qualified candidate to fill the position of Lender I in our Lexington Market. The position Lender 1 originates, underwrites, and closes secured and unsecured consumer and agricultural/commercial loans in accordance with established lending objectives, policies and procedures; establish and maintain positive relationships with existing and potential customers.

Essential Functions: 

These are functions that the person filling the Lender 1 position MUST be able to perform with or without reasonable accommodations.

 

• Maintain a current working knowledge of all bank policies and procedures, as well as federal and state lending regulations, processing, closing and post-closing functions, loan collection techniques and compliance regulations
• Establish prudent loan underwriting criteria in accordance with bank lending policies and procedures
• Answer a wide variety of inquiries from applicants concerning the status of specific loan applications in process, as well as general bank lending policies and procedures
• Collects required financial information in a timely manner to evaluate loan and make recommendation/decision
• Evaluates creditworthiness of the applicant(s) and approves or declines such loan submissions
• Submit loan application over lending limit to appropriate loan committee for approval
• Call on potential and existing customers outside the office to develop new business and retain current customers two or three days a week.
• Communicate with state and federal agencies, officers to the court, realtors, appraisers, credit bureaus, attorneys, and customers to secure or provide information
• Assist collection team in collection of delinquent loans when necessary
• Perform other duties as needed
• Participate in community affairs where bank’s visibility would be enhanced
• Meet established loan and deposit goals as set by the Market President annually
• Must be able to lift at least 25 pounds

Minimum Requirements: 

• High School Diploma/GED, or equivalent
• At least one (1) year of direct lending experience

Preferred Qualifications: 

In addition to the minimum requirements listed above, the qualifications listed below are generally preferred.

• Bachelor Degree in Business, Finance, Accounting, or related field
• 3-5 years experience in lending

APPLY: https://www.southcentralbank.com/careers/

South Central Bank offers an excellent benefit package including medical, dental, vision and life insurance paid holidays and vacation time, 401K with company match and much more. 

EOE M/F/Vet/Disability