Consumer Lender - Springfield / Limestone

Richwood Bank•Springfield, OH

6d•Onsite

About The Position

The Consumer Lender is knowledgeable in Richwood Bank's full spectrum of consumer lending products and banking services. This role is responsible for evaluating and recommending the best products for our customers' needs, helping our customers through the application process from initial paperwork to gathering necessary financial information and documents. The Consumer Loan Officer will be responsible for attracting customers and completing loan processing and closing tasks. Richwood Bank prides itself on unique company culture and all team members should be active and engaged participants.

Requirements

Excellent customer service skills
Must possess strong interpersonal skills
Must be adept at problem solving, including being able to identify issues and resolve programs in a timely manner
Must be able to communicate clearly, both written and orally, as to communicate with employees, and members of management team
Dependable
Punctual
High degree of accuracy
Analyze complex financial data
Detailed and organized
Maintain confidentiality at all times
Well versed in consultative selling; ability to generate new business sales, retain existing business, and close sales.
Maintain a positive can-do attitude towards your team and customers
Driven to succeed and open minded to learn more about new technology within our industry
Familiarity with financial terms and practices
Strong analysis and organizational skills
Ability to gather, analyze, and assess data
Accurate typing skills; basic computer skills, including the use of word processing, spreadsheet software applications, and e-mail
Ability to be NMLS registered
High School Diploma or GED required
Bachelor's degree in finance or Business Administration or equivalent years of experience required

Nice To Haves

Banking experience preferred
Sales experience preferred

Responsibilities

Prospects new lending opportunities and recommend the best products based on the customers individual needs
Cross sells other services and products that can create more efficiency and savings for our customers
Conducts Customer Outreach and Support
Calls (by phone and in-person) on customers, prospective clients, and centers of influence clients and tracks activity in bank's Customer Relationship Management (CRM) system.
Manages account data
Maintains approval and Rejection Records
Processes Loan applications, gather financial data, establish payment plans, delver details of loan proposal to perspective borrowers
Develops new business through contacts with realtors, builders, banking centers and other lines of business referrals
Collects Customer Financial information and input into correct processing software
Ensures exceptional customer experience by overseeing loan process from origination to close and providing on-going communication to customers and business partners
Analyzes customer tax returns/credit reports/ financial statements to verify eligibility
Verifies collateral values
Scans all documents and prepare files for loan administration processing
Assists in creating loan committee worksheets for presentation to loan committee and present loan applications to loan committee for approval as required
Works with loan processing to order appraisals, title work, and any closing loan docs
Stays in communication with customers regarding status of loan applications and process
Communicates with insurance agents, realtors, home owner's association representatives as needed
Performs Uniform Commercial Code (UCC) and federal tax lien searches as needed
Inspects construction progress on applicable loans
Attends loan closing event and prepare all post-documentation for filing
Fills out and submit loan maintenance forms when loan addendums are needed
Networks within communities to build relationships and identify potential customers
Runs Loan payoffs for Richwood Bank customers
Contacts current loan customers with substantial loans for annual financial information collections as required by federal reserve
Attends meetings and other committees
Responds to Security Alarms if they are triggered
Ensures data are in line with national and local financial rules
Ensures compliance with privacy laws and confidentiality policies throughout the process
Participates in assigned trainings
Assists branch personnel with general opening/closing procedures and dual control measures when staffing requires