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Lender

Summary: Examines, evaluates, and authorizes or recommends approval of customer applications for lines of credit, Installment loans, or mortgage loans by performing the following duties.

Essential Duties and Responsibilities

• Interviews loan applicants to determine financial eligibility and feasibility of granting loan requests
• Evaluates credit worthiness by processing loan applications and documentation within specified limits
• Determines applicants’ ability to repay by collecting and analyzing all the necessary documentation
• Communicates with applicants regarding their application
• Assesses risk level of each application and makes decisions within specified limits
• Prepares loan approval packs for loans outside specified limits
• Prepares secondary market loan packets
• Ensures loan agreements are complete and accurate according to policy
• Maintains and updates financial information as needed
• Assists with loan file quality control audits
• Assists other lenders with loan applications and documentation
• Participates in department meetings and completes required training
• Participates in special projects as directed by leader
• Builds strong internal and external relationships as well as customer loyalty and satisfaction
• Demonstrates a solid knowledge level of the banks policies and procedures
• Adheres to state and federal law and regulations
• Gathers knowledge in other lending areas
• Responsible for Branch operations in accordance with Branch Manager
• Is self-motivated and manages time appropriately in order to meet customer and bank timelines
• Other duties as assigned

ROLE QUALIFICATIONS:

Education

•  Bachelor’s degree or equivalent combination of education and experience

Experience

•  A minimum of 5 years’ experience

Display Core Values

• Integrity-hold high integrity for employees, customers, shareholders, and stakeholders. 
• Technology- utilize technology and remain the forefront of technology advancement
• Delegation-Delegate the right tasks and projects having confidence in team members
• Job Knowledge-Be Knowledgeable about our products, services, and procedures
• Accountability-clearly communicate expectations and hold individuals accountable for job performance, reaching and setting goals, and objectives.  

Other Skills and Abilities

•  Oral/Written communication skills
•  Maintain confidentiality of customer information
•  Problem-solving and decision-making skills
•  Attention to detail

PERFORMANCE MEASURES:

• Quality, accuracy, and volume of loans
• Reliability, friendliness, thoroughness and timeliness of loan services provided to customers
• Adherence to Bank policy and Federal and State Regulatory requirements
• Participation in training and appropriate professional developments
• Appropriate attendance record and punctuality
• Professional workplace appearance and conduct
• Meets or exceeds annual goals as pre-established by Supervisor and/or VP of Lending that are aligned with the strategic plan

WORKING CONDITIONS:

Work is performed largely within the Bank with limited chance for personal injury. Prolonged and frequent mental and visual concentration required. Periodic stressful situations in response to multiple priorities within established deadlines. Work hours are generally during normal business hours. Unscheduled evening and weekend work may be needed to meet the needs of customers and employees. Occasional travel between offices may be required. Must be able to lift and move up to 20 pounds of office supplies and equipment. Some bending, turning, and twisting required.

GENERAL NOTICE:

As an employee of the bank, it is necessary to conserve organizational resources; provide great customer service to external and internal customers by managing difficult or emotional situations as well as respond promptly to needs of the customer. Benefit the organization through outside activities; uphold organization values; and observe safety & security procedures; report potentially unsafe conditions; and use bank equipment and materials properly.

This position description describes the general nature and level of work performed by the employee assigned to this position and should not be interpreted as all inclusive. It does not state or imply that these are the only duties and responsibilities assigned to the position. The employee may be required to perform other job-related duties. All requirements are subject to change and to possible modification to reasonably accommodate individuals with a disability.

This position description does not constitute an employment agreement between the Bank and employee and is subject to change by the employer as the needs of the Bank and requirements of the position change.