Loan Officer I

Metro City Bank•Doraville, GA

1d•Onsite

About The Position

Responsible for underwriting and closing secured and unsecured commercial, SBA, and USDA loans in accordance with established lending objectives, policies and procedures. Establish, maintain and maximize relationships with existing and potential customers. Profitably grow loans, deposits and fees. Analyze and monitor credit quality on all loans to ensure that credit quality standards comply with required standards.

Requirements

Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals
Ability to write routine reports and correspondence
Strong proficiency in Microsoft Office, Word, Excel, Outlook
Ability to speak effectively before customers or employees of organization
Bilingual skills in reading writing and speaking - English/Korean, English/Chinese, or English/Vietnamese
Familiar with the overall BSA/AML regulations and requirements
Exhibits adequate knowledge of the following: CIP, Account Risk Assessment, Customer Due Diligence, CTR, OFAC, Cash purchase of monetary instruments, Originating Bank, Beneficiary Bank, TIN, NRA, HIDTA, HIFCA and SAR
Exhibits adequate knowledge of the following concepts: placement, layering, and integration
Familiar with the reporting requirements pertaining to currency transactions, cash purchase monetary instruments, wire transfers and opening of an account
Exhibits adequate knowledge of regulations governing consumer laws pertaining to deposits or loans products
Knows where and to whom any "suspicious" activity should be reported
Demonstrates commitment to providing quality service to customers
Makes commitments that are within the scope of the position
Accepts responsibility for own work
Maintains strong commitment to the bank's conduct/accuracy guidelines
Taking responsibility for a thorough and detailed method of working.
Values diversity, differences in experience, backgrounds, and opinions of others
Treats all people with dignity and honesty
Shows respect and sensitivity for cultural differences
Respects the confidential nature of information
Maintains composure when dealing with the unexpected
Promotes teamwork with flexibility and cooperation
Works in the best interest of their team to achieve overall Bank goals
Knows when to ask for help, solicit input from appropriate resources
Works effectively and productively with all areas of the Bank
Knowing the (internal and external) customer business needs and acting accordingly; Anticipating customer needs
Giving high priority to customer satisfaction and customer service
Understands policies, procedures, and regulations related to their job description.
Has the product and operational knowledge needed to do the job.
Has the technical skills required to do the job and uses technology appropriately.
Remains current on all Bank communication.
Continues to develop knowledge of Metro City Bank products, services, and procedures
Demonstrates commitment to continuous learning and improvement
Remains current on all Compliance courses as assigned

Nice To Haves

Bachelors degree (preferably in Finance) or equivalent

Responsibilities

Place the order for appraisals, credit reports, background checks, reference checks, and other information pertinent to the evaluation of loan applications.
Analyze applicant’s financial status, credit, and property evaluations to determine credit worthiness.
Counsel customer on the types and terms of loans offered, and which would best meet their credit needs.
Make recommendation presentations to credit committee.
Perform existing portfolio maintenance including servicing and following up on past dues.
Maintain current customer relationships, which include periodic visits and phone calls based on customer needs.
Collect on delinquent accounts in a timely manner according to bank guidelines.
Develop and negotiate revised loan repayment terms as necessary.
Ensure the bank is maintaining proper OFAC compliance on all guarantors before disbursing loan proceeds.
Develop and maintain knowledge of position related regulations as well as staying knowledgeable on bank products and services.
Maintain compliance with Bank policies and procedures, in addition to federal and state regulations.
Perform all duties in compliance with BSA/AML regulations and requirements.
Monitor and report all suspicious activity to the BSA officer.
Develop and maintain knowledge of position related regulations as well as staying knowledgeable on bank products and services.
Perform all duties in compliance with BSA/AML regulations and requirements.
Obtains adequate data for CIP on all wire and money instrument transactions.
Monitors and reports suspicious activity to the BSA Officer.