Real Estate Lender

Valley Bank of Kalispell•Kalispell, MT

About The Position

The Real Estate Lender/Loan Officer communicates with current and prospective real estate customers to present and sell available real estate financing products. The role processes real estate applications and related paperwork, analyzes applicants’ financial status, credit, and property evaluations to assess loan feasibility, reviews documents for missing items, and informs applicants when additional information is needed. The position maintains the loan pipeline and follows up with customers and loan processors to help ensure loans close in a timely manner, and is responsible for collections on the existing pipeline.

Requirements

Five years of relevant work experience.
Bachelor’s degree or work equivalent.
Proficient reading, writing, grammar, and mathematic skills.
Proficient analytical skills.
Proficient interpersonal relations and communication skills.
Advanced knowledge of financial statement analysis.
Knowledge of current lending and collection laws and regulations.
Demonstrated management and supervisory skills.
Visual and auditory skills.
Competencies include comfort around higher management, decision quality, functional/technical skills, presentation skills, and drive for results.
Computer knowledge in a Windows environment and basic knowledge of Microsoft Outlook, Excel, and Word.
Ability to work in a fast-paced, multitasked environment.
Ability to perform the stated physical activities, including daily computer work for six or more hours and moving items weighing up to 25 pounds as necessary.

Responsibilities

Consult with managers about credit policies, credit lines, standards, and procedures.
Advise clients on suitable loan and credit options.
Obtain and assess financial information, including financial statements and credit histories.
Perform due diligence throughout the lending process, from application through closing documentation.
Negotiate payment arrangements and prepare delinquent loan reports.
Document procedures and maintain hardcopy and electronic records of loan agreements.
Keep abreast of amendments to loan policies, lending procedures, and regulations.
Present and sell available real estate financing products to current and potential customers.
Process real estate applications and associated paperwork; analyze financial status, credit, and property evaluations to determine loan feasibility.
Review documents, inform applicants of missing items, and follow up with customers and loan processors to help ensure timely closings.
Maintain the loan pipeline and handle collections on the existing pipeline.