EDUCATION AND WORK EXPERIENCE

• Four-year degree in business, economics, or finance or comparable banking degree or comparable years of similar work experience.
• Two or more years of lending or comparable work experience preferred.
• Experience with bank or financial analysis software preferred. Proficient in Lending Software or loan documentation software a plus.
• Required NMLS Licensing
  • In addition to the above requirements, loan officers with duties consistent with prohibited activities without licensing/registration under the S.A.F.E Act, must complete the licensing/registration process before performing such prohibited activities. Licensing/registration and compliance requirements are set forth by the Consumer Financial Protection Bureau (CFPB).
  • All loan officers who perform prohibited duties/functions must:
    • Be registered as applicable under the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act).
    • Be subjected to thorough background checks, which include screening for financial responsibility, criminal records check and any disciplinary actions by regulatory or licensing agencies.

SKILLS AND QUALIFICATIONS

• Strong, well-developed interpersonal skills to maximize business contacts and develop a working relationship with existing and potential customers.
• High level of analytical skills to conduct loan analysis and monitor loan’s progress in consideration of the market trends, economic conditions and other pertinent factors.
• Excellent verbal, written, and interpersonal communication skills.
• Detail oriented with the ability to work well under pressure to meet multiple deadlines.
• Team player able to work effectively in a team fostered, fast-paced environment.
• Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of the borrower and the Bank.
• Focus on problem solving skills with solutions-driven results.
• Ability to accurately analyze and interpret numerical data.
• Ability to be flexible and adaptable in a changing environment.
• Good organizational skills with the ability to multitask.

ESSENTIAL JOB FUNCTIONS/RESPONSIBILITIES

• Negotiate credit items including costs, repayment methods, and collateral requirements.
• Conduct regular review of loan customers to monitor credit quality and total outstanding loan balances.
• Monitor loan repayment activity on a regular basis and take necessary action to collect past due accounts. Collect technical exceptions, obtain financial statements and borrowing base if required.
• Keep current on regulations and legislation affecting lending.
• Call on potential and/or existing customers and introduce customers to other departments or products when a service can be rendered.
• Participate with and assist senior loan officers in the servicing and administration of larger loans.
• Actively participates in community events and builds professional relationships with influencers, realtors, community leaders, customers and prospective customers.
• Maintain quality portfolio keeping past dues, document exceptions, classified credits, non-classified credits to a minimum.
• Ability to make loans and service accounts dealing in both small to relatively large, complex loans or those involving greater risk.
• Ability to recognize additional cross sell opportunities of all lines of TRFG products.
• Compliance with both the letter and spirit of the Bank Secrecy Act (BSA) and the Bank’s policies with the procedures relating to the Act. The employee will participate in training regarding BSA at least annually.
• Compliance with both lender and spirit of the laws governing the privacy of consumer information and Bank’s Privacy and Procedures.
• Compliance with all applicable banking laws, rules and regulations.

SCHEDULE/TRAVEL/STATUS

• Exempt
• In-Office (Not Remote)
• Infrequent Travel

NOTICE

This job description is meant to describe the general nature and level of work being performed; it is not intended to be construed as an exhaustive list of all responsibilities, duties and other skills required for the position. Two Rivers reserves the right at any time with or without notice to alter or change job responsibilities, reassign or transfer job position or assign additional job responsibilities, subject to applicable law. Two Rivers shall provide reasonable accommodations of known disabilities to enable a qualified applicant or employee to apply for employment, perform the essential functions of the job, or enjoy the benefits and privileges of employment as required by the law.

POSITION COMPETENCIES

• Approachability - Puts others at ease by listening, allowing adequate time for interactions, and giving undivided attention. Shows receptivity to message being delivered.
• Assertiveness – Communicates position directly and honestly while demonstrating respect for others.
• Composure - Responds to information and situations in a self-controlled manner. Maintains a calm composed manner during stressful times.
• Consulting – Gives expert advice; is a knowledgeable resource. Works collaboratively to develop possible solutions, and/or analyze information to solve problems.
• Results Oriented - Drives behavior to emphasize achievement. Self-directed toward accomplishment. Is action oriented. Likes challenge. Pursues opportunities. Consistently high achieving.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)