Consumer Lender II - Collegiate Peaks Bank

About The Role
Summary
The Consumer Loan Officer originates a high volume of consumer loans and
manages the entire loan origination process. Underwrites loans, analyzes
financials, and has strong analytical and problem-solving skills. Provides
support to the Consumer Loan Manager on loan functions from start to finish
throughout the process. This role will have extensive contact with
customers, vendors, the public, and bank staff and will interact in a
professional and courteous manner and conduct him/herself in such a
relationship in a manner that will enhance the overall efficiency and image of
The starting compensation pay for this position is $33.68 to $37.42 per
hour. All compensation offers are analyzed individually and take into
consideration multiple factors including but not limited to geographic
location, years of experience, and educational background.
DUTIES AND RESPONSIBILITIES:
Well versed with HELOC's, RE Term Loans, Personal Loans, Personal
Lines of credit and Auto Loans.
Primary focus is underwriting HELOC's in LOS system with a secondary focus
on all other consumer products, underwrites subordination, extensions and
change in term requests which meet established lending requirements and
provide maximum profitability to the company with a minimum of risk.
Approve, decline, or counteroffer loan applications within set lending
authorit
Gathers financial information for underwriting, prepares personal cashflow
worksheets, provides information to generate loan
disclosures/documentation, evaluates repayment ability, collateral
adequacy, analyzes credit reports and confirms documentation requirements
are m
Understands complex self-employed income, ability to read and understand
individual and business tax returns, audited, or reviewed financial
statements, and company prepared profit and loss statements, balance
sheets, and statement of cash flows and completes loan servicing activities
Responsible for communication loan decisions including the ability to discuss
loan denials, loan alternatives and rate computation in a clear,
concise, and courteous manner.
Identify and develop with potential new customer relationships. Maintain and
develop an ongoing relationship with currant customer base. Continuously
project an image of professional and concern in dealings with the public by
providing superior and external customer service.
Meet or exceed loan production goal as set annually by manager in conjunction
with goals set for Collegiate Peaks Bank.
Responds to customer inquiries, conducts application interviews,
occasionally conducts loan closing. Orders and reviews for accuracy initial
loan disclosures, orders and reviews loan documents for accuracy, reviews
title work and clear requirements, reviews insurance coverage for new and
existing loans.
Works closely with Personal Bankers to properly document and maintain loan and
collateral files
Attends loan committee as required, with ability to provide structural
feedback to the committee
Complete loan monitoring through tracking loan maturities, prepare needs
list and communicate with borrowers to obtain timely collection of financial
information.
Monitor past due loan report and assist with collection efforts.
Registers with NMLS and maintains registration per SAFE Act requirements.
Ensures compliance with company standards and practices, State and Federal
rules and regulations as applicable to the position, including, but not
limited to BSA/AML, ECOA/Reg B, HMDA, CRA, FHLB, OFAC, and GLBA/privacy rules.
Participate in Community and Bank-sponsored activities that serve and support
the mission and values of CPB.
Other duties as assigned
About You
QUALIFICATIONS:
Three to five years' experience as a lender and underwriting as a consumer
lender
Three to five years' of banking experience
KNOWLEDGE, SKILL, ABILITY:
High level computer skill with working knowledge of word processing,
spreadsheets, ten-key, and general computer applications
Ability to apply logical or critical thinking to define problems, collect
data, establish facts, and draw conclusions
Ability to work both independently and in a team environment.
Communicate effectively both verbally and in writing with others in a clear,
thorough and timely manner
Demonstrate a high level of organization, ability to prioritize and
multi-task with attention to detail and accuracy, manage multiple
projects, demonstrate self-motivation and ability to follow through with tasks
Exhibit a professional manner in dealing with others; work to develop and
maintain cooperative and positive working relationships; represent the bank
in a positive manner and maintain credibility with others
WORK ENVIRONMENT: Work performed in an office environment. Must be able to
routinely perform work indoors in climate-controlled shared work area with
minimal noise.
PHYSICAL DEMANDS:The physical demands described here are representative of
those that must be met by an employee to successfully perform the essential
functions of this job. Reasonable accommodations may be made to enable
individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is often required
to: sit; use hands in repetitive motions to finger, grasp, handle or
feel; and talk or hear. The employee is occasionally required to: stand;
walk; and lift or reach with hands and arms. The employee may also be required
Must be able to operate routine office equipment including computer terminals
and keyboards, telephones, copiers, facsimiles, and calculators. Must
be able to routinely perform work on computer for an average of 6-8 hours per