Consumer & Small Business Lender

Wilson Bank & Trust•Murfreesboro, TN

5d•Onsite

About The Position

The Consumer & Small Business Lender develops and retains a portfolio of consumer and small business loans by meeting with prospective and existing customers. The role strengthens existing relationships and develops new business through sales calls and collaboration with internal partners to provide a range of banking products and services. The lender supports customers and teammates with excellent service, demonstrates the company’s values, and helps advance its mission. The position reports to the Regional President. The role involves receiving loan applications, performing preliminary credit analysis, reviewing financial statements, recommending lending decisions to management, and preparing and negotiating loan proposals and credit memos. The lender also monitors loan progress, construction draws, documentation, exceptions, and collection activity while ensuring compliance with bank policies and applicable regulations. This position is based at the Memorial Blvd. office in Murfreesboro, Tennessee. The company describes opportunities for employee recognition, professional development, and growth through mentoring, workshops, banking schools, certifications, and career programs.

Requirements

Bachelor’s degree in business, finance, or a related field.
At least 3 years of experience in consumer lending.
Previous sales experience, particularly managing relationships and developing new business.
Knowledge of real estate lending, documentation, collateralization, UCC-1 law, lien perfection, and deeds of trust.
Strong knowledge of financial principles, loan underwriting, lending regulations, credit analysis, and contracts with individual or corporate borrowers.
Understanding of the loan-funding process and use of general ledger accounts for funding.
Ability to manage multiple projects simultaneously.
Effective verbal and written communication and strong interpersonal skills.
Effective presentation skills.
Attention to detail, critical thinking, and problem-solving skills.
High standards of integrity, honesty, professionalism, and work ethic.
Commitment to service excellence.
Ability to work independently with strong organization and follow-through.
Flexible and efficient time management, with the ability to prioritize workload.
Ability and willingness to work with purpose and urgency.
Self-motivated, positive, and enthusiastic approach.
Self-starter with a strong desire to exceed expectations.
Ability to maintain confidentiality and discretion.
Ability to collaborate effectively with others to achieve business objectives.
Ability to work extended hours as needed.
Willingness to grow and take on challenges.

Responsibilities

Develop and retain a portfolio of consumer and small business loans by meeting with prospects and customers of varying size and complexity.
Strengthen existing customer relationships and develop new business through various channels.
Make business calls independently and with internal business partners to offer banking products and services.
Schedule and coordinate meetings with customers and prospects, attend business events, and serve as a point of contact for new and existing customers.
Receive loan applications and related application documentation.
Conduct preliminary credit analysis, review customer financial statements, and make recommendations to management.
Prepare loan proposals and credit memos and negotiate terms, including repayment methods and collateral specifications.
Develop and maintain an interest-rate structure consistent with bank policies and procedures and competitive with current market rates.
Comply with loan underwriting criteria, including approval limits, loan-to-value requirements, lien position, and insurance requirements.
Monitor construction draws, clear exceptions, and gather financial documentation from customers and internal teams.
Monitor loan status and follow up on outstanding documentation.
Communicate credit-decision status to prospects and borrowers.
Maintain collection efforts to minimize past-due accounts.
Attend scheduled office and bank meetings and provide input and updates on lending activities.
Maintain professional and technical knowledge through educational workshops, professional publications, personal networks, and professional associations.
Comply with applicable federal banking regulations and laws, including consumer protection requirements and the Bank Secrecy Act/Anti-Money Laundering Program.
Attend training and participate in outside community activities as requested or required.
Perform other duties as assigned.