Retail Lender

Superior National Bank and Trust • Hancock, MI

283d

About The Position

Superior National Bank approaches every day with the philosophy that we 'Grow Your Future.' Our employees are instrumental in helping us achieve that goal. As an organization, we value the efforts of our employees as they strengthen our pillars of trust through the great work that they do. Each member of our team plays an integral role in supporting the overall success of the organization. We try to create a work environment that supports employee development and engagement by staffing our locations with honest, hard-working people who truly care about one another, their customers, and our community. If this describes a culture that appeals to you, we invite you to apply to join our team.

Requirements

• NMLS Certification (may be obtained after hiring)
• Bachelor's degree in business, finance, or related field preferred; or equivalent combination of education and experience.
• Four or more years of experience in a lending environment preferred.
• Experience with mortgage lending and regulatory changes since 2010 Dodd-Frank Act, including experience with TRID.

Responsibilities

• Originate residential real estate and consumer loans to meet bank and branch growth goals.
• Manage existing loan portfolio, including service and collections.
• Drive loan growth through outbound prospecting and development of referral sources.
• Work with consumer and mortgage applicants to obtain information for loan applications and answer questions about the loan process.
• Present and clearly communicate loan options and terms to help borrowers make good financial decisions.
• Obtain, compile, and analyze financial, credit, and collateral information to support loan decisions.
• Develop and maintain expert knowledge of mortgage loan programs, including portfolio products, FNMA, FHLMC, FHA, VA, and USDA guidelines.
• Leverage technology to enhance customer experience and enhance efficiency.
• Approve loans within specified limits, and refer loan applications outside those limits for approval, based on the financial institution's policies and procedures.
• Negotiate loan terms, such as costs, loan period, loan repayment methods, and collateral specifications, and inform borrowers of loan commitments.
• Review loan agreements to ensure that they are complete and accurate according to policy and regulations.
• Work with clients to identify their financial goals and consult on ways of reaching those goals.
• Assist in identifying competition, trends, unfulfilled borrower needs, and potential lending opportunities.
• Understand and follow bank/department/government regulations, policies, and procedures, and participate in all compliance-related training.
• Other duties as assigned and/or necessary.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Industry: Credit Intermediation and Related Activities
• Education Level: Bachelor's degree
• Number of Employees: 51-100 employees