Personal Loan Officer

Gate City Bank•Devils Lake, ND

About The Position

The Personal Loan Officer prospects, establishes, and maintains relationships with customers by providing personal lending product and service expertise to assist customers in the decision-making process, while staying within established lending limits and ensuring loan quality and deposit growth for the Bank.

Requirements

Bachelor’s degree; 2 years of related experience; or equivalent combination of education and experience.
Strong oral and written communication skills.
Interpret and use data for decision making.

Responsibilities

Interview customers to obtain financial history.
Analyze information and sells customers on the products and services that best meet their needs.
Prepare personal lending loan applications completely, accurately and in compliance with Federal guidelines and the Bank’s policies and procedures.
Approve loans within approval limits, and if appropriate, forwards higher values for approval.
Investigate and close all approved loans in accordance with Federal guidelines and the Bank’s policies and procedures.
Consistently inform and sell customers on credit life and disability insurance and GAP insurance.
Respond to customer inquiries regarding all aspects of personal loans.
Maintain awareness of all current policies and procedures pertaining to personal loans and all interrelated services and functions.
Meet established personal production goals and assist in the achievement of all the Bank’s annual sales goals.
Expected to assist in securing liens on mortgages, titles and UCCs.
Build, seize, and recognize relationship building opportunities with all areas of the bank, including but not limited to deposit, mortgage, business banking, financial planning, and insurance.
Provide a “Wow” customer service experience for team members and customers.
Develop and maintain productive relationships with team members, leaders, customers, and vendors.
Prompt and reliable attendance is essential in order to provide expected levels of service.
Must comply with all Gate City Bank policies, procedures, and applicable laws and regulations.
Must be detailed-oriented and maintain high degree of accuracy.
Ability to make decisions in a fast-paced environment.