Consumer Retail Loan Officer

City National Bank & Trust•Lawton, OK

About The Position

Develops and monitors a loan portfolio in existing lending markets through applications generated by Retail Branch locations. Responsible for originating, evaluating, and processing/underwriting consumer loan applications, including personal, auto, savings secured, and other retail lending products. This role ensures compliance with bank policies and regulatory requirements while delivering excellent customer service and supporting loan growth objectives within established lending limits which provide maximum profitability to the bank at minimal risk.

Requirements

2 years’ lending experience or Bachelor’s degree in Finance, Business, or related field
Knowledge of credit analysis, underwriting principles, and lending regulations
Effective verbal, written, analytical, and independent decision-making skills
Collaborative communication and customer service abilities
Proficiency in standard office software to include Microsoft Office, Outlook, Adobe

Responsibilities

Monitoring loan portfolio and associated deposit account products
Screening applicants to determine financial eligibility and loan needs
Analyze credit reports, income, debt ratios, and other financial information
Recommend appropriate loan products and approve/deny credit requests based on customer profile and bank eligibility standards
Process and underwrite consumer loan applications in accordance with policies
Ensure compliance with all federal, state, and internal lending regulations
Communicate loan decisions clearly to applicant or to referring bank employee/branch
Build and maintain relationships with customers to generate repeat business
Meet or exceed individual and team loan production goals
Monitor loan repayment activities and take necessary action in collection of past due amounts
Develop new business and cross selling additional services of the bank
Other duties as assigned