Lender I

South Central Bank Of KY•Lexington, KY

1d•Onsite

About The Position

South Central Bank, Inc. is seeking a qualified candidate to fill the position of Lender I in their Lexington Market. The position Lender 1 originates, underwrites, and closes secured and unsecured consumer and agricultural/commercial loans in accordance with established lending objectives, policies and procedures; establish and maintain positive relationships with existing and potential customers.

Requirements

High School Diploma/GED, or equivalent
At least one (1) year of direct lending experience

Nice To Haves

Bachelor Degree in Business, Finance, Accounting, or related field
3-5 years experience in lending

Responsibilities

Maintain a current working knowledge of all bank policies and procedures, as well as federal and state lending regulations, processing, closing and post-closing functions, loan collection techniques and compliance regulations
Establish prudent loan underwriting criteria in accordance with bank lending policies and procedures
Answer a wide variety of inquiries from applicants concerning the status of specific loan applications in process, as well as general bank lending policies and procedures
Collects required financial information in a timely manner to evaluate loan and make recommendation/decision
Evaluates creditworthiness of the applicant(s) and approves or declines such loan submissions
Submit loan application over lending limit to appropriate loan committee for approval
Call on potential and existing customers outside the office to develop new business and retain current customers two or three days a week.
Communicate with state and federal agencies, officers to the court, realtors, appraisers, credit bureaus, attorneys, and customers to secure or provide information
Assist collection team in collection of delinquent loans when necessary
Perform other duties as needed
Participate in community affairs where bank’s visibility would be enhanced
Meet established loan and deposit goals as set by the Market President annually