Consumer Loan Specialist I

Alpine Bank•Denver, CO

16h•$20 - $25•Hybrid

About The Position

The Consumer Loan Specialist I is an entry-level position on the Consumer Loan Underwriting Team. Under direct supervision, the specialist reviews and evaluates consumer non-real-estate loan applications using the Bank’s automated loan platform. The role requires understanding consumer loan application types, disclosures, documentation, compliance regulations, and Bank lending policies. Underwriting decisions are made within lending parameters, with supervisor review and assistance. The specialist enters applications into loan software, uploads supporting documents, analyzes system recommendations and applicant information, reviews credit history, and identifies missing information. The role includes communicating with customers and location contacts, communicating loan decisions, coordinating loan closings or completing adverse-action disclosures, and performing other assigned duties. Regular and reliable attendance is an essential function. The job operates in a professional office environment. After successful training, a hybrid schedule may include remote work and in-office work, with at least two in-office days per week. This arrangement may be modified or removed at management’s discretion. The role routinely uses standard office equipment. It is largely sedentary and involves regular talking or hearing, vision and hand/finger dexterity requirements, possible mental stress when dealing with upset customers, lifting up to 25 pounds, and likely repetitive motion. The starting pay rate is $19.50 to $24.50 per hour, depending on experience. The position is anticipated to close November 13, 2026, or when filled.

Requirements

High school diploma or GED equivalent.
Possession of, or ability to obtain, a valid NMLS License.
Ability to work successfully as a team player.
Positive attitude and adaptability, especially regarding workflow and technology changes.
Motivation to initiate work and ability to work independently.
Organizational skills, including prioritization, attention to detail, and workload management.
Analytical ability to gather and interpret data and decide basic loan requests.
Ability to work in a fast-paced environment and desire for professional growth.
Strong verbal and written communication skills.
Advanced computer skills, including proficiency with Excel, Word, financial analysis software, and other spreadsheet packages.

Nice To Haves

Working knowledge of Loan Policy.
Minimum of 2 years of banking experience preferred.
Experience with loan compliance and loan documentation preferred.
Equivalent combinations of education and experience may be substituted on a year-to-year basis.

Responsibilities

Understand different types of consumer loan applications and the disclosures used for each.
Understand consumer loan documentation and follow compliance regulations.
Apply Bank loan policy guidelines and underwrite loan requests within lending parameters.
Enter loan applications into loan software and upload supporting documents received from the location contact.
Review system decision recommendations by analyzing application information, credit report history, debt-to-income ratio, and collateral loan-to-value ratio.
Review and interpret essential information in an applicant’s credit history report.
Identify missing items or information and communicate with the location contact and customer.
Ensure underwriting meets loan policy requirements with supervisor review and assistance.
Decide loan applications and communicate decisions to the customer and Retail Branch Representative.
Coordinate loan closing between the customer and Retail Branch Representative, or complete adverse-action disclosures.
Maintain regular and reliable attendance.
Perform other duties as assigned.