Community Lending Officer

Essential Functions

• Promotes and enhances image of First Federal in all business and mortgage activities within our markets.
• Possesses the capability to implement/install the bank’s computer software systems that will enhance customer’s relationship.
• Interviews residential mortgage loan applicants.
• Recommends and outlines terms of loan.
• Informs prospective borrowers of loan commitments.
• Reviews developing laws and regulations as they apply to installment loan security agreements.
• Assists collection officer with delinquent account files for the financial institution.
• Responsible for quality loan growth.
• Partners with community-based or governmental organizations that provide the residents of MMCTs with services related to credit, financial education, homeownership, and foreclosure prevention.
• Originate residential loans via the bank’s portfolio loan products across the bank’s deposit accepting footprint both directly and as referrals.

Job Requirements

• Minimum of five years’ experience with proven results on developing a business strategy and successful execution of a plan.
• Bachelor’s degree in business finance, or related field or 5 years banking experience.
• Financial sales capability.
• Knowledge of mortgage products, its market and economy trends.
• Trove for high service and quality standards.
• Excellence in working within regulatory framework is a must.
• Proven knowledge on regulations (federal and state) applicable to mortgage and banking law.
• Excellent sales and negotiation skills.
• Good cross selling, organizational, and communication skills.
• Able to communicate effectively with builders and realtors.
• Able to work in a team environment and interact with all levels within the organization, with external business and community sectors.
• Capable of maintaining a professional presence with emphasis on professionalism, personal and ethical growth.
• Demonstrated prioritization skills.
• Excellent communication, public relations skills, computer and research skills.
• Able to deal with time constraints and strong attention to detail.