Consumer Lending Officer

Overview

Responsible for origination, underwriting and closing secured and unsecured consumer loans in accordance with established lending objectives, policies and procedures. Establish and maintain positive relationships with existing and potential consumer lending customers. Participate in business development activities. Conduct relationships and activities consistent with established bank policies, procedures and systems, the corporate code of conduct, Bank Secrecy Act and all applicable State and Federal laws and regulations.

• Bachelor’s degree or equivalent combination of education, training and experience that provides the required knowledge, skills and abilities.
• Two years of bank consumer‑lending experience preferred.
• Knowledge of current bank lending procedures and policies (state and federal), lending regulations, lien laws, collection/bankruptcy regulations, and loan documentation.
• Knowledge of consumer loan support functions, including appraisals, title work, deeds of trust, lien recording, etc.
• Analytical (statistical), time‑management and problem‑solving ability.
• Good judgment skills; ability to make decisions within prescribed guidelines, research and solve problems, work independently, handle confidential information and manage multiple tasks.
• Thorough knowledge of bank products and services and the skill to solicit business for bank deposit products and loan services.
• Ability to identify client needs, present banking solutions and bank products.
• Ability to read, write and speak English.
• Excellent verbal, listening and communication skills.
• Strong customer‑relations skills and ability to work with employees and customers in a cooperative manner.
• Ability and desire to work as part of a team, and with people of diverse backgrounds.
• Strong organizational skills and attention to detail.
• Ability and desire to represent Central Bank of the Ozarks Market in the community.
• Familiarity with local financial marketplace (competitors, demographics, geography, industries, etc.).
• Willingness to assume additional responsibilities/duties/projects as they arise.
• Ability to operate office equipment including PC’s, calculators, telephones, voicemail, and copy/printer machine.
• Ability to interpret a variety of instructions furnished in written, oral, diagram or schedule form.

• Ability to drive a vehicle; must maintain a current, valid driver’s license and an acceptable driving record for bank insurance purposes.
• Availability of personal transportation to make business development calls.
• Position requires registration with the National Mortgage Licensing System and Registry (NMLS), as created under the S.A.F.E. Act (registration process can be found at the NMLS Resource Center located at (Use the "Apply for this Job" box below).).

• Seniority level:
  Entry level
• Employment type:
  
  Full‑time
• Job function:
  Finance and Sales
• Location:
  
  Springfield, MO