What are the responsibilities and job description for the Loan Officer position at SouthStar Bank?
Location: Georgetown
FULL-TIME
Summary:
Responsible for proactively soliciting new consumer, real estate, and commercial loans and sell the Bank’s products to meet established loan quality and production goals.
Primary Duties and Responsibilities:
- Generate own pipeline of loans
- Obtain and review necessary loan documentation from borrowers and present complete packages to processing for submission into underwriting.
- Monitor and ensure closing dates and rate lock expirations and company deadlines are met.
- Conducts interviews with prospective borrowers in order to analyze financial and credit data, determine customer financing objectives, advice customers of product/pricing policies and guidelines, and gather any additional required information.
- Comply with all federal and state compliance policies and adhering to HMDA requirements.
- Review loan documents to insure completeness and accuracy in accordance with Bank policies, procedures and compliance related issues.
- Order appraisals, credit reports, and evidence of insurance.
- Promote business for Bank by maintaining good customer relations and by referring customers to new services.
- Prepare various monthly reports.
Other Duties:
- Participate in business development activities at all levels.
- Maintain educational and professional expertise through attendance at job related seminars, conferences, and workshops and involvement in professional, civic, and community groups in leadership positions.
Knowledge, Skills, and Abilities:
- High School degree or equivalent
- 2 years bank lending experience
- Residential and/or commercial underwriting experience is preferred
- Knowledge of federal and state mortgage banking regulatory requirements
- Personal computer skills; Word/Excel/PowerPoint/Internet/E-mail
- Good interpersonal skills and knowledge of appropriate customer service
- Organized and detailed oriented
- Ability to prioritize tasks accordingly
- Ability to maintain confidential information
