About Us
Join a high‑performing, expanding $1.5B community bank with $3.2B in total assets under our care, where people, purpose, and opportunity come together to drive meaningful impact. At State Bank, we are building a culture grounded in collaboration, innovation, and integrity, while continuing to invest in our people and the communities we serve. We value individuals who take initiative, think strategically, and are committed to both personal and organizational growth. Our approach recognizes contributions and effort, supports professional development, and provides meaningful financial rewards, including the opportunity to earn up to 30% of your annual wage in quarterly incentives. In addition, we offer opportunities to grow your career within a strong, stable, and expanding organization. If you feel you have what it takes to become part of a high‑performing team of professionals and deliver regional growth goals in a competitive landscape and enjoy strong financial recognition for your leadership and work this opportunity just might be for you.
Education
A high school diploma or equivalent required; a B.A. degree in related field of study preferred; specialized bank consumer lending education/training preferred.
Experience
A minimum of three (3) years of experience in accounting, lending, or related positions. Formal credit training program or certification preferred.
Preferred Skills
- Knowledge and experience working with a Retail Loan Origination System (LOS).
- Proficient reading, writing, grammar, and mathematics skills.
- Proficient interpersonal relations and communicative skills.
- Knowledge of current loan servicing procedures, lending laws, and regulations.
- Sound judgment and risk assessment.
- Moderate computer skills.
Role and Responsibilities
Responsible for performing administrative and underwriting duties to support the consumer lending function; achieving goals as established in the bank’s business objectives; coordinating work within the department, as well as with other departments; complying with operating policies and procedures established for the consumer loan function; communicating with appropriate personnel; maintaining appropriate records and providing assigned reports.
Essential Duties
Performs administrative and underwriting duties to support the consumer lending function of which the following are illustrative:
Evaluates consumer loan requestsAuto Loans, Credit Cards, Home Equity, Personal Loans, and Recreational VehiclesCheck for completeness and accuracyVerify personal, employment, and financial information with confirmation through use of pay stubs, tax returns, or bank statements and compare income against loan requirements and internal guidelinesEnsure required documentation has been providedCompletes credit risk assessmentEvaluate credit reports and identify any risk indicatorsAssess debt-to-income (DTI) ratios and repayment capacityReview collateral valuations and general loan quality.Apply lending policies and guidelinesEnsure loan decisions align with risk tolerance thresholds, product guidelines, and follow regulatory complianceApproves or denies consumer loans based on consumer loan standards.Use automated underwriting systemsWork within LOS to review system-generated offers and override if needed.Input data and ensure accuracy for automated modelsRecommend process improvements, system enhancements, automation, and workflow changes to increase efficiency and accuracy.Participates in testing and validation of system upgrades or new featuresCommunicate with stakeholdersCollaborate with loan officers, processors, and customer service to provide guidance, resolve issues, and support positive client experiences.Provide exceptional customer service and support cross-functional projects as needed.Suggest strategic and innovative strategies to achieve goals from the annual operating plan.Fraud detection and due diligenceIdentify inconsistencies or suspicious activityFlag potential fraud cases (fake income, identity issues)Escalate high-risk applicationsPortfolio and performance monitoringPrepares and analyzes reports on portfolio performance, delinquency trends, and loan quality to identify areas of improvement.Provides input on credit policy development and training initiatives to ensure consistent application of standards across consumer lending.Documentation and audit readinessMaintain clear, compliant records of decisionsEnsure files meet audit and regulatory standardsDocument rationale for approval/denial decisionsPerforms additional duties and responsibilities as directed by the Director of Consumer LendingAbides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of sexual harassment and other forms of illegal discriminatory behavior in the workplace.Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the bank's compliance with all regulatory requirements, e.g. Community Reinvestment Act (CRA), Equal Credit Opportunity Act, etc.; ensures that the department and all personnel adhere to the same.Responds to inquiries relating to his/her particular area, or to requests from customers, other personnel, etc., within give time frames and within established policy.Ancillary Duties
Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual or departmental circumstances.Serve as backup to the Credit Department for tasks such as credit file maintenance, loan reviews, small business underwriting, risk rating updates, monitoring/tracking, and preparation of management reports.Physical Requirements
- Must be able to remain in a stationary position more than two-thirds of the time.
- The person in this position needs to occasionally move about inside the office to accomplish tasks.
- Frequently communicates with others to exchange information.
- Constantly moves wrists, hands, and/or fingers.
- Must be able to assess the accuracy, neatness, and thoroughness of the work assigned.
- Sedentary work that primarily involves sitting/standing.
