Personal Lending Officer (59825 Job Ironton Missouri USA,Finance & Banking

Position: Personal Lending Officer (59825)
Location: Ironton

Personal Lending Officer

The Person al Lending Officer helps individuals achieve and protect financial success by offering tailored lending solutions for both installment and real estate needs. This role combines relationship building with technical expertise to guide customers through the lending process, ensuring responsible credit decisions that reflect the bank’s conservative credit culture and commitment to growing stronger communities

Key Result Areas

Build long term, profitable partnerships through goal directed, organized relationship development. (Building Successful Partnerships)
Engage customers in structured conversations to identify financial needs and present meaningful solutions across installment and real estate products. (Building Successful Partnerships)
Apply a consistent sales approach prospecting, rapport building, presenting value, qualifying, closing, and generating referrals. (Building Successful Partnerships)
Collaborate across business lines to deliver holistic financial advice, including insurance and financial advisory services. (Collaborative Selling)
Drive growth of core deposits and non interest income (business and payment services, insurance, and financial advisory commissions) in alignment with the market strategic plan. (Building Successful Partnerships, Collaborative Selling)
Promote financial success through trust based, value driven interactions that prioritize customer outcomes over transactional selling. (Building Successful Partnerships)
Loan Origination & Processing:
Guide customers through the application process for both installment and real estate loans. (Communicating Effectively)
Collect and verify borrower information including income, debts, collateral, and property details. (Attention to Detail)
Enter applications into the Loan Origination System (LOS) and Encompass, ensuring accurate documentation and milestone tracking. (Data Entry, Attention to Detail)
Coordinate with Loan Coordinators and title companies to ensure timely and complete processing. (Teamwork, Attention to Detail)
In structuring loan transactions, incorporate deposit relationships and non interest income solutions when appropriate, ensuring these additions serve the customer’s needs and support the bank’s strategic growth objectives. (Business & Financial Acumen, Building Successful Partnerships)
Financial Review & Credit Evaluation:
Conduct financial analysis including DTI, LTV, ATR/QM validation, and basic cash flow reviews. (Customer Financial Performance Analysis)
Analyze assets, liabilities, income, and credit reports to support sound loan decisions. (Customer Financial Performance Analysis, Decision Quality)
Collaborate with credit analysts for complex underwriting and apply judgment consistent with the bank’s conservative credit culture. (Credit Underwriting & Risk Assessment, Teamwork, Decision Quality)
Compliance & Documentation:
Maintain full compliance with banking regulations including RESPA, HMDA, Reg Z, Reg B, Flood Determination, and others. (Regulatory Compliance)
Ensure documentation is complete, accurate, and professionally presented. (Attention to Detail)
Monitor for changes in loan terms and manage change circumstances appropriately. (Attention to Detail)
Post Closing, Collections & Portfolio Support:
Monitor loan performance and identify early signs of delinquency or financial distress. (Collections & Recovery, Analyze Data)
Communicate professionally with borrowers regarding past due accounts and repayment options. (Collections & Recovery, Communicating Effectively, Negotiation Skills)
Document collection efforts and support restructuring when appropriate. (Collections & Recovery, Attention to Detail)
Coordinate escrow setup and monitoring for real estate loans. (Teamwork, Attention to Detail)
Follow up on documentation exceptions and maintain proactive communication to support customer financial health. (Regulatory Compliance, Attention to Detail)

Qualifications

Bachelor's degree in business, finance, or a related field preferred but not required
Experience in personal/consumer banking, with demonstrated ability to originate, underwrite, and manage installment and real estate loan…