Consumer Lender

CONSUMER LENDER

Regular Full-Time Hamilton 1 Attachments

7 days ago Requisition

This position may be located at our Stockman branch in Stevensville or Hamilton.

Generate and administer a high-quality Consumer Loan Portfolio consistent with established lending policies.

Note:

Only minimum responsibilities are listed. Other responsibilities may be required as requested by management.

• Strong commitment to providing exceptional customer service.
• 4 years business related college degree and/or equivalent experience.
• 1-3 years consumer underwriting and/or lending experience.
• Strong credit analysis and decision making skills.
• Strong time-management skills with ability to work independently and to prioritize multiple tasks.

• Previous lending/underwriting experience.
• Previous Bank and/or sales experience helpful.

Responsible for Consumer Loan Portfolio. Will have extensive public or telephone contact and is to conduct relationships in a manner that will enhance the overall marketing effort of the Bank. This position may be called upon to call (telephone, personal visit or letter) on customers or prospective customers and/or to participate with community organizations and community projects.

• Maintain an extensive knowledge of loan and non-deposit services by studying product information, bulletins, regulations and updates. Attend periodic training sessions and stay abreast of new procedures, marketing techniques, rules and regulations.
• Understanding and compliance with SB/SFC lending policies and procedures and documentation of consumer loans.
• Origination of new and renewal consumer loans.
• Lien filings and insurance follow-up.
• Responsible for regulatory compliance – all consumer loans.
• Credit card lending and overdraft protection. Review and make credit decisions on new applications.
• Review lines of credit for potential increase, decrease or adverse action.
• Student Loans – have knowledge of MGSLP and MHESAC.
• Train back-up in Consumer Lending when directed.

• Supervision of consumer loans collection procedures.
• Direct contact with delinquent borrowers.
• Recommendations for definite plans of action for collection of difficult accounts.
• Regular reporting of delinquent loans and loans in jeopardy.
• Monitor past due totals and percentages and report to Senior Management.
• Supervision and record keeping of property held for resale.
• Develop and implement disposal plans.
• Adherence to loan limits.
• New Business Development, New Product Development and Marketing
• Responsible for generating new consumer loan business, employee advantage and direct deposit.
• Regular contact with merchants who might refer business to Stockman Bank.
• Call on prospective direct loan customers.
• Refer potential customer to other Bank personnel as appropriate.
• Loan activity should be covered by insurance products when applicable.
• Assist with development of new programs and products for consumer loan customers.
• New ideas for generation of income.
• Monitor our competition as to rates and prices.
• Assistance with information of price changes.