Consumer Lender - Retail

Red River Bank•Baton Rouge, LA

About The Position

Summary Examines, evaluates, and authorizes or recommends approval of customer applications for consumer loans by performing the following duties. Essential Duties and Responsibilities include the following. Other duties may be assigned. Interviews applicant to determine loan requirement and gather pertinent information for loan application. Requests applicant credit reports, background checks, reference checks, and other information pertinent to loan applicant's evaluation. Analyzes applicant financial status, credit, and asset evaluation to determine feasibility of granting loan or submits application to credit analyst for verification and recommendation . Resolves uncertainties relating to customer application information through inquiries with applicant or creditors. Approves loan within specified limits or refers loan to loan committee for approval. Compiles loan package and facilitates negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms. Ensures loan agreements are complete and accurate according to bank policy . Assures timely loan closing and funding activities. Identifies and analyzes potential loan markets to develop prospects for consumer loans. Promotes and cross-sells other establishment products and services as appropriate to customer requirements. Complies with all applicable banking regulations, including Bank Secrecy Act. Follows Red River Bank policies and procedures. Attends or completes all required training. COMPETENCIES To perform the job successfully, an individual should demonstrate the following competencies : Demonstrates attention to detail.Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions. Manages difficult or emotional customer situations; Responds promptly to customer needs . Maintains confidentiality. Displays willingness to make decisions; Exhibits sound and accurate judgment. Uses time efficiently. Reacts well under pressure.

Requirements

Bachelor's degree (B. A.) from four-year college or university; and one to two years related experience and/or training; or minimum of five years lending experience in lieu of college degree.
Knowledge of Spreadsheet and Word Processing software.
Demonstrates attention to detail.
Identifies and resolves problems in a timely manner
Gathers and analyzes information skillfully
Develops alternative solutions.
Manages difficult or emotional customer situations
Responds promptly to customer needs
Maintains confidentiality.
Displays willingness to make decisions
Exhibits sound and accurate judgment.
Uses time efficiently.
Reacts well under pressure.

Responsibilities

Interviews applicant to determine loan requirement and gather pertinent information for loan application.
Requests applicant credit reports, background checks, reference checks, and other information pertinent to loan applicant's evaluation.
Analyzes applicant financial status, credit, and asset evaluation to determine feasibility of granting loan or submits application to credit analyst for verification and recommendation .
Resolves uncertainties relating to customer application information through inquiries with applicant or creditors.
Approves loan within specified limits or refers loan to loan committee for approval.
Compiles loan package and facilitates negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.
Ensures loan agreements are complete and accurate according to bank policy .
Assures timely loan closing and funding activities.
Identifies and analyzes potential loan markets to develop prospects for consumer loans.
Promotes and cross-sells other establishment products and services as appropriate to customer requirements.
Complies with all applicable banking regulations, including Bank Secrecy Act.
Follows Red River Bank policies and procedures.
Attends or completes all required training.