Consumer Lender

Glacier Bank • Bozeman, MT

240d

About The Position

Under the direction of Consumer Loan Manager, the Consumer Lender interviews customers and performs preliminary credit analysis on new and existing loan applications, arrives at a conclusion to recommend approval or to decline loan applications. Promotes increased customer use of bank products and services to enhance customer satisfaction. Cross sell bank products which benefit the customer and develop long lasting relationships.

Requirements

• Combination of education and experience equivalent to a bachelor's degree in business, finance, or related field.
• 6 months prior experience in loans preferably in consumer loans or related field.
• Desire a minimum of 2 years banking experience in related job field.
• Knowledge of company loan products and services, policies, and procedures.
• Understand related legal and regulatory standards and required loan documentation.
• Knowledge of consumer lending practices, credit structure, and appropriate collateral.
• State, federal and industry banking compliance regulations, and guidelines; applicable laws and regulations related to lending functions.
• Analyze, evaluate, and interpret bank policies, federal regulations, and other technical information.
• Proficiency with use of personal computers and associated software, including Word and Excel.
• Typing accuracy and speed of at least 50 words per minute.
• Excellent grammatical, punctuation, spelling, and editing skills.
• Exhibit professional and friendly attitude; strong communication and interpersonal skills to address customer questions and concerns.
• Must be able to handle multiple tasks moving quickly from one task to another without loss of accuracy or composure.
• Must be detail oriented.
• Able to perform repetitive work with consistency and accuracy.
• Able to communicate technical information, both verbally and in writing.
• Demonstrate ability to manage time and meet deadlines in a fast-paced environment.
• Able to learn all loan functions as required and follow written and oral instructions.
• Demonstrate ability to exercise sound judgment in handling confidential and sensitive information.
• Work independently and as an active team member by sharing and accepting suggestions and ideas.
• Job requires operation of a motor vehicle. You must, as a condition of employment, maintain a valid driver's license and driving record acceptable to our insurer.

Responsibilities

• Assist branch employees with consumer loan applications and information collection from potential consumer borrowers.
• Meet with loan customers, provide product information, rates, fees, and terms, and obtain a completed loan application and collect all required loan documentation for a specific loan product.
• Completes Data Entry in DecisionPro.
• Provides all necessary disclosures to the applicant(s).
• Ensure all disclosures, financial statements, income verification, cash flows, title insurance commitments, and appraisals are reviewed prior to loan approval.
• Pull credit reports, verifies information, and underwrites the loan request pursuant to bank policies, procedures, and regulations.
• Properly counsel applicants, analyze financial and related data, determine appropriate pricing and loan structure.
• Document all loan files with comments and conversation logs.
• Use proper Board approved lending authority to approve consumer loans and processes all denials in accordance with bank policies and procedures.
• Issues a notice of incomplete or inactivity letter, counteroffers, and processes withdrawn applications.
• Perform second review on denials and other not originated loans.
• Perform collateral analysis on all secured consumer loans.
• Perform inspections on collateral as needed.
• Complete all required loan checklists.
• Work with Consumer Loan Processors and other bank departments, title companies, and motor vehicle departments at the state and county level to perfect our lien position and limit the bank's risk.
• Communicate with branch employees on any loan decisions, coordinate loan closings with the applicants and branch employees, provide branch employees with proper closing instructions and ensure all loan documentation is received prior to loan closings.
• Close loans with customers as needed.
• Give direction to appropriate staff for review of loan package prior to final loan documents being prepared & printed.
• Work closely with the Loan Servicing Team to efficiently close all loans in a timely manner.
• Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
• Enter accurate HMDA data in DecisionPro.
• Position will require Consumer Lender to obtain an NMLS Number assigned by the Nationwide Mortgage Licensing System & Registry, as required by law.
• Work past due list and contact customers for payment.
• Keep current with all lending and collections (federal and state) regulations.
• Work loans maturing list to ensure loan is paid or refinance by the loan maturity date.
• Work exception list, including collateral exception list and obtain proper documentation and perfect bank's lien position in a timely manner.
• Assist with training other employees in related job duties.
• Keep management appropriately informed of area activities and of any significant problems.
• Participate in Community Service and Bank sponsored activities that serve and support the mission and values of First Security Bank.
• Provide superior internal and external customer service: must demonstrate self-governance, courtesy, and respect toward external customers as well as internal customers (all organization personnel).
• Complete required bank and OnCourse training courses within assigned time frame(s).
• Represent First Security Bank in a professional manner which includes a professional image, confidentiality, a positive “can-do” attitude, good attendance, punctuality, flexibility and adaptability in meeting bank and customer needs.
• Keep work area tidy and maintain customer privacy.
• Attend and participate in meetings as required.
• Participate in all consumer loan meetings and understand the information provided and communicate the topics to other employees.
• Must maintain a working knowledge of cash flows and Credit Authorizations and assist with completion of these documents as requested.
• Present Credit Authorizations to the proper loan committees for approval.

Benefits

• Medical, dental, vision, and life insurance.
• Health savings account option.
• Employee Assistance Program (EAP).
• Health rewards program.
• Retirement savings plan, including 401(k) and Profit-Sharing plans.
• Short and long-term disability benefits.
• Education and training benefits.
• Discounts on banking products and services.
• Generous Paid Time Off (PTO) plan.
• Paid holidays.
• PTO accruals begin at .0745 per hour worked for part time employees up to a maximum accrual of 240 hours per year for certain Full-Time employees.
• Most Full-Time employees are offered 6 paid holidays and Part Time employees are offered pro-rated paid holidays.

What This Job Offers

• Career Level: Entry Level
• Industry: Credit Intermediation and Related Activities
• Education Level: Bachelor's degree