Loan Officer

Responsibilities

• Demonstrate excellent written and verbal communication skills.
• Knowledge of the regulations governing consumer and 1–4 family lending practices.
• Innovative outlook to drive continual progress and retention.
• Process consumer loan transactions and aid on transaction inquires.
• Analyze financial statements, cash flows, pay records and tax returns.
• Present credits and loans for approval to the appropriate authority as required.
• Be pro-active in obtaining new consumer and 1–4 family residential loan customers for the Bank.
• Demonstrate the ability to prioritize workload.
• Receive consumer and 1 – 4 family loan applications and approve or reject loan requests in accordance with loan policies and procedures.
• Obtain and maintain a working knowledge of regulatory requirements as they relate to safety and soundness, compliance, and operations.
• Develop referral networks, suggest alternate channels, and cross-sell products and services to accomplish the Bank’s goals.
• Service loan portfolio to ensure documentation requirements are met.
• Assist co-workers as needed.
• This position requires a valid Driver’s License.
• Demonstrate a strong commitment to customers and the Bank.
• All employees are expected to exemplify and follow our core values.
• Regular attendance and punctuality when reporting to work.
• Travel for trade and industry schools and seminars as needed.
• This position may require installation of a Multi-Factor Authentication (MFA) app on an employee’s personal mobile device.
• Adhere to and comply with all applicable, federal, and state laws, regulations, and guidance, including those related to BSA/AML, as well as adhere to the Bank’s policies and procedures.
• Perform other duties as assigned and requested.

Qualifications

• High School diploma or GED.
• Continuing Education to maintain job knowledge.
• Three to Five years of banking experience.
• Three to Five years of customer service experience (preferred).
• Proficiency in Microsoft Suites (preferred).