Consumer Lending

City Bank • Lubbock, TX

399d • Onsite

About The Position

The Loan Officer at City Bank NA is responsible for providing quality consumer loans while ensuring compliance with bank policies and regulations. This role involves managing loan accounts, servicing existing customer relationships, and developing new business opportunities to maximize profitability with minimal risk.

Requirements

• High School diploma or equivalent required.
• Minimum of 18 years of age.

Responsibilities

• Represent the Bank to the customer in a courteous and professional manner.
• Furnish prompt, efficient, and accurate service.
• Maintain work area in a clean, neat, and professional environment.
• Participate in training sessions as required by supervisor.
• Interview loan applicants to obtain and analyze financial and other relevant information to determine creditworthiness.
• Establish and negotiate terms under which credit will be extended, including costs, repayment methods, and collateral requirements.
• Collect and analyze interim information on outstanding loans under servicing responsibility.
• Collect accounts with an acceptable level of past dues.
• Visit customer businesses for inspection of plant facilities.
• Advise customers on business management or financial affairs when appropriate.
• Serve as contact for customers of non-loan related services.
• Develop customer base through active solicitation of prospective and existing clients with an emphasis on selling bank products.
• Approve loans utilizing individual lending authority as provided in loan policy.
• Develop material for and make recommendations to Loan Committee on requests above individual authority requiring Committee approval.
• Counsel with and assist in the training and development of other loan officers as requested.
• Provide input to officers on loan requests as to credit quality, structure, and pricing.
• Maintain active interest in local and national affairs which could impact lending activities.
• Maintain involvement in civic and community activities, representing the Bank favorably.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Industry: Credit Intermediation and Related Activities
• Education Level: No Education Listed