Residential & Consumer Loan Officer

First Citizens National Bank of Upper Sandusky•Upper Sandusky, OH

About The Position

Responsible to originate and close residential real estate and consumer loans, participate in business development activities, and assist customers and bank staff with lending/deposit information. Responsible for initiating outside business calling efforts and cross selling all bank products. Promotes loan growth through public contact, developing relationships with centers of influence, new and current realtors, builders and borrowers to promote continuous business. Interviews loan applicants and takes applications to understand financial needs and make appropriate recommendations. Explains products, programs, loan processes, settlement procedures and set customer expectations. Collects information to underwrite the application and evaluate with expertise. Understands and reviews loan closing documents prior to closing to ensure accuracy. Ensures proper approval prior to establishing loan closing. Provides exceptional customer service before, during and after the loan process. Communicates and works well with Credit and Loan Processing teams. Actively participates in community organizations/projects and represents the Bank positively at these events. Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management, overall safety and soundness, and the banks compliance with all regulatory requirements. Establishes a strong FCNB presence in the market. Manages personal pipeline to ensure service standards and financial goals are met. Ensures the credit quality of loans to minimize losses. May be responsible for collections activity within own portfolio, including contacting delinquent customers. Learns various borrowing programs and processes to stay current with changes and new products. Develops and maintains knowledge of data relating to the financial industry, economy, market conditions, rates, vendors, and competition. Complies with all applicable federal and state compliance guidelines relative to the position.

Requirements

Knowledge of loan products.
Knowledge of loan application process.
Cross-sells referral programs.
Willingness to participate in additional job-related courses and seminars.
Excellent customer service and sales skills.
Strong analytical and organizations skills.
Strong written and verbal communication skills.
Must have (or be willing/able to quickly obtain) NMLS registration.

Nice To Haves

Minimum four year college degree with emphasis in business or finance or comparable lending/job experience.

Responsibilities

Originate and close residential real estate and consumer loans.
Participate in business development activities.
Assist customers and bank staff with lending/deposit information.
Initiate outside business calling efforts and cross sell all bank products.
Promote loan growth through public contact and developing relationships with centers of influence, new and current realtors, builders and borrowers.
Interview loan applicants and take applications to understand financial needs and make appropriate recommendations.
Explain products, programs, loan processes, settlement procedures and set customer expectations.
Collect information to underwrite the application and evaluate with expertise.
Understand and review loan closing documents prior to closing to ensure accuracy.
Ensure proper approval prior to establishing loan closing.
Provide exceptional customer service before, during and after the loan process.
Communicate and work well with Credit and Loan Processing teams.
Actively participate in community organizations/projects and represent the Bank positively at these events.
Cooperate with, participate in, and support the adherence to all internal policies, procedures, and practices in support of risk management, overall safety and soundness, and the banks compliance with all regulatory requirements.
Establish a strong FCNB presence in the market.
Manage personal pipeline to ensure service standards and financial goals are met.
Ensure the credit quality of loans to minimize losses.
May be responsible for collections activity within own portfolio, including contacting delinquent customers.
Learn various borrowing programs and processes to stay current with changes and new products.
Develop and maintain knowledge of data relating to the financial industry, economy, market conditions, rates, vendors, and competition.
Comply with all applicable federal and state compliance guidelines relative to the position.