Job Purpose: Evaluate, authorize, or recommend approval of agricultural, commercial, real estate, or consumer loans. Advise borrowers on financial status and payment methods. Includes mortgage loan officers and agents, collection analysts, loan servicing officers, and loan underwriters.

Duties and Responsibilities:

• Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
• Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
• Meet with applicants to obtain information for loan applications and to answer questions about the process.
• Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
• Guide clients through different mortgage loan options and explain the terms of each.
• Coordinate with other professionals, such as real estate agents, bank officers, and appraisers.
• Stay updated on industry trends and changes in mortgage loan policies.
• Review loan agreements to ensure that they are complete and accurate according to policy.
• Approve loans within specified limits and refer loan applications outside those limits to management for approval.
• Handle customer complaints and take appropriate action to resolve them.
• Set credit policies, credit lines, procedures and standards in conjunction with senior managers.
• Stay abreast of new types of loans and other financial services and products to better meet customers' needs.
• Review and update credit and loan files.
• Submit applications to credit analysts for verification and recommendation.
• Compute payment schedules.
• Confer with underwriters to aid in resolving mortgage application problems.
• Market bank products to individuals and firms, promoting bank services that may meet customers' needs.
• Work with clients to identify their financial goals and to find ways of reaching those goals.
• Negotiate payment arrangements with customers who have delinquent loans.
• Analyze potential loan markets and develop referral networks to locate prospects for loans.
• Prepare reports to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action.
• Provide special services such as investment banking for clients with more specialized needs.
• Arrange for maintenance and liquidation of delinquent properties.
• Petition courts to transfer titles and deeds of collateral to banks.

Qualifications:

• Bachelor’s degree in Economics, Finance or similar area is useful but not required.
• Five years sales experience in lending or banking.
• Excellent verbal and written communication skills, including ability to effectively communicate with internal and external customers.
• Excellent computer proficiency (MS Office – Word, Excel and Outlook).
• Must be able to work under pressure and meet deadlines, while maintaining a positive attitude and providing exemplary customer service.
• Ability to work independently and to carry out assignments to completion within parameters of instructions given, prescribed routines, and standard accepted practices.

Working Conditions:

• This job operates in a clerical office setting. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

Physical Requirements:

• Manual dexterity, the ability to lift files and open filing cabinets.
• Bending, stooping or standing as necessary.
• Ability to safely and successfully perform the essential job functions consistent with the ADA, FMLA and other federal, state and local standards, including meeting qualitative and/or quantitative productivity standards.
• Ability to maintain regular, punctual attendance consistent with the ADA, FMLA and other federal, state and local standards.
• Must be able to communicate effectively with others.