Retail Lender Job Haughton Louisiana USA,Finance & Banking

Benefits:

401(k)
Bonus based on performance
Dental insurance
Health insurance
Paid time off
Vision insurance

Summary:

The lender purpose is to support the company’s mission statement, values, and sales goals by establishing new customer relationships and retaining and expanding existing customer relationships. The lender will analyze loan applications, decision loans within the lender’s individual lending authority, generate interest income, monitor and service existing loan customers, make credit decisions, collect on loans and market the bank’s services and products.

Duties:

Compile and analyze data for loan requests; outline loan terms and conditions and inform borrowers of loan commitments; assist borrowers by making appropriate recommendations concerning financing options and financial decisions
Originate and service business and individual loans both secured and unsecured
Screen loan requests based upon bank policies
Maintain compliance with loan policy, procedures and documentation, including loan package preparation, while properly structuring
Analyze financial information and loan collateral to determine strength of loan proposal
Write Credit Memorandum detailing borrower(s) credit strength, details of loan and other necessary information needed for a clear representation of credit package and recommendation for approval
Present loan to President/CEO, Underwriter and/or the Board of Directors for approval
Monitor past due reports and contact customers to determine solution
Maintain accurate pipeline report
Renew matured loans in a timely manner
Provide on-going service to existing clients and branch personnel regarding loan questions and issues
Establish relationships to expand lending opportunities
Produce quality referrals through regular calls on existing and prospective customers as well as referral sources
Attend and participate in community events, volunteer events, and local organizations to represent the Bank and make business contacts
Other duties as assigned

Skills, Knowledge, Abilities:

Must work well in a fast paced environment
Must be able to multi-task
Must show strong initiative
Possess good organizational skills
Must possess interpersonal skills to communicate with customers, vendors, and colleagues in a courteous and professional manner at all times
Strong desire to work in a team environment and support the Bank with a positive attitude
Foster a culture consistent with our core values of Do the Right Thing, Respect, Positivity, Innovation, Teamwork and Accountability

Education:

High School diploma or equivalent
College degree in Finance, Business, or a related field is preferred