Consumer Loan Officer

State Bank of Southern Utah•Fillmore, UT

1d•Onsite

About The Position

At State Bank of Southern Utah, our core values define who we aspire to be each and every day. These values hold us accountable to each other and help us be the best version of ourselves. We look for candidates who find connection with our core values: Make a Difference : We are actively engaged. We genuinely care. We are knowledgeable and find solutions. Relationships Matter : We are committed to each other and our customers. We seek to understand, connect, and collaborate. Live with Integrity : We are trusted to do the right thing. We take responsibility for our individual roles and actions. Love What We Do : We are passionate and show up with enthusiasm. We are driven and continually look to improve. Share Positivity : We lift each other. We interact with a positive and optimistic attitude. Apply at State Bank of Southern Utah and be part of a team that lives by these values every day! A Consumer Loan Officer is responsible for managing the branch’s consumer loan portfolio to drive increased loan production and overall lending volume by originating auto, home equity, signature loans, and credit cards. Promote the bank’s products and services while building and strengthening relationships with customers, coworkers, and community contacts. Be proactive in the daily role and community involvement. Duties include the loan application process within designated authority, maintaining a strong understanding of lending and credit policies, and addressing customer questions. The role also emphasizes delivering high levels of customer service and ethical conduct while strictly adhering to internal policies, risk management practices, and all regulatory and compliance requirements. This position is in-office in our Fillmore branch and is not a remote work opportunity.

Requirements

High School Graduate or (GED)
Banking and/or Lending Experience
Strong computer skills including an advanced understanding of Microsoft Office Excel and Word
Must satisfactorily pass criminal background check and a credit report
Knowledge of standard loan procedures; underwriting experience
Able to develop a working knowledge of ProSign, Decision Pro, Laser Pro
Desire to work with the public and be actively involved in the community
Knowledge of bank products and services
Knowledge and experience using Microsoft Excel and Word
Ability to communicate effectively both in person and over the phone
Excellent customer service skills & attention to detail
Maintain a professional and approachable appearance
Collaborate and support colleagues and peers across the organization, while still being able to work independently when needed
Solid time management skills and the ability to organize prioritize and perform multiple tasks simultaneously
Ability to be discreet with employee and customer information
Capacity to work independently and motivation to achieve goals with minimal supervision
Treats people with respect; keeps commitments; inspires the trust of others; works with integrity and principles; upholds organizational values

Nice To Haves

Bachelor’s degree (B.S.) from an accredited four-year college or university, in a finance or business-related field
Two years of banking experience
Prior lending experience

Responsibilities

Manage the consumer loan portfolio for the branch with the aim of improving loan production and overall branch loan volume through production of auto loans, home equity loans, signature loans, and credit cards
Cross-train with the Commercial Lender to produce construction loans
Promote SBSU products and services to deepen the customer’s banking relationship with the bank
Interact with coworkers to further expand knowledge of banking and to develop existing customer relationships and cultivate new contacts
Maintain a working knowledge of the bank’s lending and credit policies; take loan applications, approve or reject loan applications within individual lending authority
Make sales and customer service calls on present and prospective customers within the branch banking area
Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the Bank's compliance with all regulatory requirements
Actively participate in community organizations and activities in a manner which reflects favorably on the Bank
Meet with customers and resolve any problems or complaints
Ensure a high level of customer service and ethics
Maintain and prepare records and reports as needed
Will assist with branch opening and closing procedures