Loan Officer

Southeastern Bank • Hinesville, GA

20h

About The Position

Loan Officers facilitate the lending process by interviewing applicants, analyzing financial data to determine creditworthiness and guiding customers toward a suitable product. Duties include: Loan Origination & Processing: Interview applicants, gather financial documentation, and process loan applications with accuracy. Underwriting & Analysis: Evaluate credit reports, income, and debt-to-income ratios to determine creditworthiness. Decisioning: Approve or deny loans within established lending authority limits. Customer Service & Counseling: Explain loan options, terms, and interest rates to consumers, helping them choose the right products. Sales & Business Development: Promote bank products to new and existing customers to meet financial goals. Be active in the community through involvement in civic organizations, boards and other activities. Compliance: Ensure all activities adhere to federal, state, and Bank policies. Perform other tasks as assigned. Southeastern Bank is an Equal Opportunity Employer

Requirements

• High school diploma or equivalent
• 3+ years in customer service, banking or financial services
• Understanding of lending regulations, credit reports, and financial analysis
• Strong analytical ability, attention to detail, proficiency with loan origination software and other technology
• Excellent verbal/written communication skills
• Professionalism

Nice To Haves

• Bachelor's degree in finance, business, or related field, and/or equivalent experience.

Responsibilities

• Loan Origination & Processing: Interview applicants, gather financial documentation, and process loan applications with accuracy.
• Underwriting & Analysis: Evaluate credit reports, income, and debt-to-income ratios to determine creditworthiness.
• Decisioning: Approve or deny loans within established lending authority limits.
• Customer Service & Counseling: Explain loan options, terms, and interest rates to consumers, helping them choose the right products.
• Sales & Business Development: Promote bank products to new and existing customers to meet financial goals.
• Be active in the community through involvement in civic organizations, boards and other activities.
• Compliance: Ensure all activities adhere to federal, state, and Bank policies.
• Perform other tasks as assigned.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED