Retail Community Banker

Hometown Community Bank•Champaign, IL

18d•Onsite

About The Position

Responsible for the development, maintenance and growth of an individual loan portfolio. Includes interviewing, screening and analyzing loan requests for real estate and consumer loans. Also responsible for approving, documenting and collecting or denying real estate and consumer loans while adhering to all bank policies, procedures and banking regulations. Solely responsible for all aspects of loans assigned to them from safety and soundness and compliance aspects.

Requirements

Knowledge of customer service principles
Relevant computer skills
High school diploma or equivalent
Bachelor’s degree from a four-year university or college; or 2 to 5 years related experience and/or training; or equivalent combination of education and experience
BSA and other Bank related training through BAI is required annually
Overview course provided by MCB

Nice To Haves

Illinois NMLS License (Mortgage Lenders)

Responsibilities

Meet with applicants to obtain information for loan applications and to answer questions about the process
Explain to customers the different loan and credit products that are available, as well as the terms of those services
Obtain and compile copies of loan applicants’ credit histories, corporate financial statements and other financial information
Analyze applicants’ financial status, credit, and property evaluations to determine feasibility of granting loans
Structure, underwrite and present loan requests in accordance with internal policies and procedures
Approving real estate and consumer loans within assigned limits and managing loan and portfolio credit quality
Responding promptly to customer information requests or inquiries
Review and update credit and loan files
Review loan documents to ensure they are complete and accurate according to policy and prepare and organize loan documents for closing
Adhere to credit policies, credit lines, procedures and standards in conjunction with senior managers
Service existing customers and enhance relationship by cross selling business and personal products
Service delinquent accounts by documenting and following Bank policies for collection
Maintain orderly and complete financial reporting and documentation for all customers
Develop referral relationships in order to proactively solicit business and conduct sales-related activities to meet specific loan volume origination goals
Involvement in local community through clubs, luncheons, business organizations, etc and developing relationships with local government and business leaders of community
Maintain and update calling program in effort to attract new business opportunities