Consumer Lender - Covington, Georgia

United Bank • Covington, GA

1d

About The Position

Interviews and closes (or declines) consumer loan applications received by the Bank. This position accepts consumer loan applications to determine acceptability of the credit request based on the Bank’s predetermined lending guidelines. Completes input of application as well as collateral information in order to produce loan documents for customer’s acceptance.

Requirements

• Bachelor’s degree or equivalent related experience.
• Previous customer service experience in a banking environment is strongly preferred.
• Requires analytical ability to evaluate credit status and make fair and impartial decisions.
• Knowledge of or the ability to learn State, Federal, and bank legal regulations.
• Ability to manage multiple projects simultaneously.
• Ability to relate well with others.
• Demonstrated leadership, project management, team building, and time management skills.
• Ability to exercise discretion and tactfully handle sensitive and confidential issues.
• Professional demeanor and presentation.
• Strong written and verbal communication skills.
• Demonstrate creative thinking and ability to adapt to change.
• High level of motivation and initiative.
• Proficient in Microsoft Office Suite or similar software with the ability to learn new technology.

Nice To Haves

• Previous customer service experience in a banking environment is strongly preferred.

Responsibilities

• Ensure that each approved application meets the Bank’s lending standards. The loan officer will approve loans within the limits of a preapproved lending authority.
• Assist customers with loan questions or problems. Must have knowledge of United Bank products and services in order the match the customer’s needs.
• Assist in the day-to-day operation of the Bank including opening and closing of the Bank.
• Ensure compliance with the Bank’s guidelines by obtaining exception approval signatures on loan applications when needed.
• Ensures compliance with state and federal regulations and laws.
• Collects on past due loans, as well as overdrawn checking accounts, that may be assigned to the lender.
• Keep past due loans and collateral exceptions to a minimum as determined by management.
• Performs community service activities necessary to generate a presence in the community.
• Maintains current knowledge of industry regulations, requirements, and trends by attending seminars, member associations and reading trade periodicals.
• Position will be required to comply with all Federal and State banking laws and related regulations, to include but not limited to the Bank Secrecy Act.
• Performs other duties as assigned.

Benefits

• paid employee health insurance
• dental insurance
• vision insurance
• short-term disability insurance
• paid long-term disability insurance
• paid life insurance
• 401(k) plan with employer contributions
• Employee Stock Ownership Plan (ESOP) with employer contributions
• flexible spending account (FSA)
• wellness program
• employee assistance program
• vacation time
• sick time
• paid federal holidays
• other unique perks

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level