Position:       Consumer Lending Officer

 Supervisor:  Chief Lending Officer

Job Brief:    The full-time position of Consumer Lending Officer examines, evaluates, and authorizes or recommends approval of customer applications for consumer loans by performing the following duties:

 Essential Functions:

1. Interviews applicant to determine consumer loan requirement and gather pertinent information for loan applications
2. Requests applicant credit reports, background checks, reference checks, and other information pertinent to loan applicant’s evaluation
3. Analyzes applicant financial status, credit, and asset evaluation to determine feasibility of granting loan or submits application to credit analyst for verification and recommendation.
4. Resolves uncertainties relating to customer application information through inquiries with applicant or creditors.
5. Approves loan within specified limits or presents loan request to the appropriate loan committee for approval.
6. Compiles loan package and facilitates negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.
7. Ensures loan agreements are complete and accurate according to policy.
8. Manages multiple customer loan and deposit relationships.
9. Assures timely loan closing and funding activities.
10. Responsible for the collection and preparation of loan documents to be sent to the Loan Operations Department (LOD) for processing, review, booking, funding, and indexing.
11. Handle lien perfection such as recording of documents, filing of title applications, UCC Searches and filings, etc., as well as the release of such items as needed.
12. Work closely with the LOD to ensure accurate loan documentation and compliance with regulations, and proper indexing and maintenance of loan files.
13. Assist new and existing customers with questions, transfers, draw requests, posting of payments, and payoffs, etc.
14. Identifies and analyzes potential loan markets to develop prospects for consumer loans
15. Promotes and cross-sells other bank products and services as appropriate to customer requirements.
16. Complies with all regulations and bank approved policies and procedures.
17. Participates in and completes all training/education available in a timely manner to stay abreast of the demands and requirements of the position.
18. Maintains regular and predictable attendance.
19. Performs other duties as assigned, including assisting and supporting other departments as needed. 

Education Required: Bachelor’s degree in accounting or related field is preferred.

 Practical Experience:  A minimum of three (3) years’ experience gaining strong marketing skills, the ability to close loans, and proper preparation of loan packages for loan committee and loan funding.