Consumer Loan Specialist I

Alpine Bank•Rifle, CO

2d•Hybrid

About The Position

The Consumer Loan Specialist I is an entry-level position on the Consumer Loan Underwriting Team. Under direct supervision, this role reviews and evaluates consumer non-real-estate loan applications using the Bank’s automated loan platform. The position applies loan policy and compliance requirements, analyzes application and credit information, communicates with customers and branch representatives, and supports loan decisions and closing or adverse-action disclosures. Regular and reliable attendance is an essential function. Other duties may be assigned.

Requirements

High school diploma or GED equivalent required.
Possession of, or ability to obtain, a valid NMLS License required.
Ability to work successfully as a team player.
Positive attitude and adaptability, particularly regarding workflow and technology changes.
Motivation to initiate work and ability to work independently.
Organizational skills, including prioritizing effectively, attention to detail, and workload management.
Analytical ability to gather and interpret data and make decisions on 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.
An equivalent combination of education and experience may be substituted on a year-to-year basis.

Nice To Haves

Minimum of 2 years of banking experience preferred.
Experience with loan compliance and loan documentation preferred.
Working knowledge of Loan Policy desired.

Responsibilities

Understand different types of consumer loan applications and the disclosures used for each.
Understand consumer loan documentation and follow compliance regulations.
Apply the Bank’s loan policy guidelines and underwrite loan requests within lending parameters.
Enter loan applications into loan software and upload supporting documents provided by 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 applicants’ credit history reports.
Identify missing items or information and communicate with the location contact and customer.
Ensure underwriting meets loan policy requirements, with supervisor review and assistance.
Make loan decisions and communicate them 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.