Community Lender

Centier Bank•Gary, IN

18d•$20•Onsite

About The Position

Recognizing and valuing diversity strengthens our ability to attract, retain and engage associates and reinforces our relationship within our communities. Our associates are the most valuable asset we have. The collective sum of the individual differences, life experiences, knowledge and talent that our associates invest in their work represents a significant part of not only our culture, but our reputation and company’s achievement as well. A Centier Associate is someone who embodies a servant heart, is unaccepting of anything less than remarkable service, and is self-motivated and driven to deliver exceptional results. What are our values? Our Corporate values are Caring, Loyalty, Integrity, Friendship, Fun....who wouldn't want to work for an AWARD-WINNING company that's built on these pillars? What about the perks? Access to our Marathon Health Clinics which provide FREE visits & prescriptions, Generous Paid Time Off benefit, Tuition Reimbursement, 401K match, Associate Stock Ownership Plan, Daycare Reimbursement, FREE Onsite Fitness Center/Fitness Reimbursements, Health and Wellness Programs, the ability to have a voice with our Diversity/Equity/Inclusion Council, Career Growth, Work/Life Balance, AND MORE. Supervisory Responsibilities: None Summary: Responsible for participating with local affordable housing agencies in training and educating potential clients, proactively soliciting those potential clients, soliciting referral sources to get mortgage loans, provide information during inquiries and ultimately, if appropriate, invite the client to make application and interviewing mortgage loan applicants in a friendly and efficient manner by securing an application and all supporting documents for submission to loan processing. Essential Duties and Responsibilities: Responsible for making sales calls on realtors, builders, and other pertinent parties for the purpose of soliciting mortgage loans, developing banking relationships, and cross-selling services. Responsible for participating with the many affordable housing agencies in the respective local markets the Community Loan Officer represents. Interview loan applicants to document income, debt, credit history, employment, and general information. Request and review documents such as income tax returns, W-2’s, purchase agreements, legal descriptions, forms for verification, and all other documents necessary to properly process an application. Determine if applicants meet established standards or what additional information might be necessary for further consideration. Ability to analyze financial information, including but not limited to tax returns Inform applicants of all costs and closing fees associated with the loan request. Submit completed loan applications and all supporting documents to loan processing to begin processing of the loan. Call applicants to resolve discrepancies such as derogatory credit, unlisted debt or any other issue. Inform loan applicants of loan approval or denial. Participate in all scheduled meetings deemed necessary by management. Communicate open and honestly with all bank associate’s including management and with clients and potential clients. Meet production goals on a monthly basis. Attend loan closings. Understand and adhere to all bank and government regulations, rules, policies, and procedures including, but not limited to operations and compliance. Other Duties and Responsibilities: Represent the bank in community activities including business, charitable, civic, and social to develop and maintain client contact and referral relationships. Engage in personal development activities such as BAI courses and internal/external training to assist in growing in career.

Requirements

Computer knowledge in a Windows environment and working with a mouse. Basic computer knowledge in Microsoft Word and Excel.
Ability to review and understand a variety of resources and information including financial related information.
Proofread and verify written materials.
Read and process written and numerical information.
Operate a computer keyboard and adding machine.
Read alpha and numeric information on a computer monitor screen.
Ability to work independently and in a team environment.
Bachelor’s degree in a business related field
3 years commissioned lending experience.

Responsibilities

Responsible for making sales calls on realtors, builders, and other pertinent parties for the purpose of soliciting mortgage loans, developing banking relationships, and cross-selling services.
Responsible for participating with the many affordable housing agencies in the respective local markets the Community Loan Officer represents.
Interview loan applicants to document income, debt, credit history, employment, and general information.
Request and review documents such as income tax returns, W-2’s, purchase agreements, legal descriptions, forms for verification, and all other documents necessary to properly process an application.
Determine if applicants meet established standards or what additional information might be necessary for further consideration.
Ability to analyze financial information, including but not limited to tax returns
Inform applicants of all costs and closing fees associated with the loan request.
Submit completed loan applications and all supporting documents to loan processing to begin processing of the loan.
Call applicants to resolve discrepancies such as derogatory credit, unlisted debt or any other issue.
Inform loan applicants of loan approval or denial.
Participate in all scheduled meetings deemed necessary by management.
Communicate open and honestly with all bank associate’s including management and with clients and potential clients.
Meet production goals on a monthly basis.
Attend loan closings.
Understand and adhere to all bank and government regulations, rules, policies, and procedures including, but not limited to operations and compliance.
Represent the bank in community activities including business, charitable, civic, and social to develop and maintain client contact and referral relationships.
Engage in personal development activities such as BAI courses and internal/external training to assist in growing in career.