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Credits Officer II (Retail Banking Group)

Bank of Guam · Hagatna, Estados Unidos Da América · Onsite

$34,715.00  -  $50,622.00

  • Professional
  • Escritório em Hagatna
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At the Bank of Guam it all starts with HEART! 

 

We are on a mission to delight customers by delivering exceptional service and being there for them when they need us most – just like family. We demonstrate that level of care by being AUTHENTIC, COMPASSIONATE, COURAGEOUS and PERSEVERING in all our interactions. To that end we encourage all employees to find their passion and be their best selves for our customers, fellow employees, and the greater community. We do this by:

LIVING THE BRAND and leading with heart and exceeding expectations

EMBRACING THE JOURNEY by accepting change and challenging others to do the same

BEING AN OWNER of our career and taking responsibility for our actions

LOVING TO LEARN by committing to personal growth and development

Are you passionate about delighting customers and helping them achieve financial success? If the answer is yes, then come join us!

 

                                                                              

General Summary: 

 

In this role you will facilitate lending for our customers by assessing credit worthiness and processing relevant paper work.   Responsibilities include preparing loan applications/requests, evaluating customers’ financial information and calculating risk ratios.  You should have a good understanding of lending procedures and policies, and customer service experience.  Ultimately you are responsible for helping our customers acquire credit in a timely manner, while ensuring compliance with local and federal laws, mitigating risks, and increasing bank profitability.

 

Category of Essential Functions & Task

FLSA Class

% Time

 

Manage the Experience

Exempt

15%

  • Serve as the initial point of contact for the customer
  • Interview loan applicants, collect financial and related data
  • Explain to customers the different types of loans and credit options that are available to meet their financial needs 
  • Respond to external/internal inquiries (departments) by phone or email as it pertains to Consumer Lending
  • Demonstrate brand behaviors through daily interactions with colleagues, coworkers, customers and other employees

 

 

 

Manage the Relationship

Exempt

15%

  • Provide customer with timely and periodic status updates of their loan application and inquiries
  • Advise customers, where possible, on financial matters and financial goals
  • Stay abreast of new types of loans and other financial services and products in order to meet customers’ needs
  • Market bank products to individuals and businesses promoting bank services that may meet customers’ needs 
  • Serve as a contact officer for non-borrowing accounts and loan customers for matters relating to other bank services
  • Handle customer complaints and take appropriate action to resolve them

 

 

 

Manage the Transaction/Tasks

Exempt

50%

  • Collect and review required documentation (loan application, supporting document) from applicants and follow up on missing items
  • Prepare and review preliminary loan disclosures
  • Analyze and underwrite financial and related data to determine the creditworthiness of the prospect and the merits of the specific loan request
  • Establish and negotiate, when necessary, the terms under which credit will be extended, including the costs, repayment method and schedule, and collateral requirements
  • Approve loans within specified limits and refer applications outside those limits to respective approving authorities 
  • Review contracts, collateral, insurance, and related documents
  • Order and follow up the request for credit reports, title reports, appraisals, and other reports deemed necessary
  • Prepare and review Consumer Closing Loan Documents 
  • Verify the accuracy and completeness of each document
  • Process entries and disburse loan proceeds
  • Maintain application logs
  • Undertake special projects relating to departmental services
  • All other duties as assigned to support the needs of the Department and/or Business

 

 

 

Mitigate the Risk

Exempt

20%

  • Stay current with lending related issues, policies, regulations, terminology, industry best practices, and developing trends
  • Underwrite within bank’s lending policy
  • Develop and manage consumer loan accounts which meet established lending requirements and which provide maximum profitability to the bank with a minimum of risk
  • Ensure loan documents are complete, accurate, and in compliance with Bank’s Lending and Regulatory Requirements 
  • Review insurance documents to ensure sufficient coverage obtained
  • Ensure proper collateral documents are perfected 
  • Monitor loan repayment activities and take necessary action to collect from past due accounts 
  • Ensure customer privacy, security of files and appropriate staff access
  • Maintain and adhere to the provisions of the Banker’s Code of Conduct and Ethics at all times
  • Be open to cross-training, collaborating and supporting fellow co-workers with tasks to help meet the needs of the business.

 

 

 

FLSA Categorization 

Exempt

100%

 

Required Knowledge, Skills and Abilities:

  • Knowledge of basic accounting practices and key financial ratios 
  • Well organized with attention to detail
  • Self-motivated and resourceful
  • Mathematical, critical and logical thinking, and analytical skills
  • Exceptional oral and written communication skills, and interpersonal skills 
  • Must be PC proficient with solid experience in Internet research, Microsoft Office, e-mail, databases and other software applications
  • Must be able to operate basic office equipment (typewriter, fax, copier and telephone) as well as new and emerging technology, including but not limited to smart phones, tablet devices, digital signage and monitors. 
  • Ability to resolve issues, work independently and meet deadlines
  • General understanding of banking operations activities, products and services
  • Team player and able to work under pressure and maintain composure in stressful situations
  • Excellent records and file management skills
  • Ability to prepare and compile reports for management’s review
  • Ability to provide excellent customer service in person and through all other mediums
  • Participate in community affairs to increase the bank’s visibility and to enhance new business opportunities
  • Ability work flexible hours/days
  • Valid driver’s license

 

Education and Experience:

  • Bachelor’s Degree in bank related field, or 
  • High School Diploma or equivalent general education diploma and 3 years relevant working experience in banking preferred. 
  • Familiarity with most or all functional areas of the bank.

 

Physical Requirements & Working Conditions: 

 

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential function. 

  • Seeing: Must be able to read, report and use computer regularly (100%)
  • Hearing: Must be able to hear well enough to communicate to coworkers and customers regularly (100%)
  • Fingering/Grasping/Feeling: must be able to write, type, use phone, regularly (100%)
  • Lifting/Pulling/Pushing Occasionally (10-25%)
  • Climbing/Stooping/Kneeling Occasionally (10-25%)

 

Fair Labor Standards Act (FLSA) Classification

Based off of the duties that are described for this role, this is an Exempt role. 

 

This is Me! It is important to note that the job description above is intended to describe the general nature and expectation of work to be performed by employees and potential candidates and is not an exhaustive list of responsibilities, duties and skills required.  Additionally, it does not establish a contract for employment and is subject to change at the discretion of the Bank. Employees must remain in their respective position for a minimum of 1 year with the exception of a promotional opportunity where the minimum qualifications have been attained.

 

 

I acknowledge and accept this challenge and feel I am the most qualified candidate to fill this role.  Moving forward, I am committed to remaining actively engaged in this organization and pledge to always consult the heart in matters concerning the Bank, by demonstrating our brand characteristics of AUTHENTICITY, COMPASSION, COURAGE and PERSEVERANCE with my Team and all of our customers.