Consumer Lender

Description

You are responsible for a Consumer loan portfolio. Within the portfolio managed, you will be responsible for credit decisions (within authority guidelines), overall credit quality, & fee income with the goal of helping each client meet the objectives of their personal & professional full financial health. You commit to providing an AMAZING client experience throughout this process.

• You assist clients with credit card lending, ready reserves & consumer lending, including real estate lending.
• You are responsible for understanding & generating quality consumer credit within guidelines set by bank policy & individual lending authority to reach growth targets.
• You understand & effectively apply selling techniques to open, develop & close a sale; must be able to create interest in a product & actively cross-sell other products & services.
• You are responsible for managing the consumer loan portfolio. This includes credit quality, credit approval, operations process, & the profitability of the portfolio.
• You are responsible for analyzing loan data on new, renewal & existing loans, including data provided by credit bureaus, other financial institutions & financial institution files.
• You monitor loans in repayment & collect past due loans and loans in default.
• You ensure that proper documentation is completed and following up on items needed for the loan file.
• You have a thorough understanding of current market trends/conditions.

• You successfully attract consumer business to Profinium’s products & services. This will include expanding account relationships with existing clients, attracting prospects to the bank & going on joint calls with our partners. This effort will include contacting clients by phone, mail, email & in person to ask for account relationships.
• You are an expert in all products offered in Relationship Banking & proficient in other products offered by Profinium & effectively communicate the value of those services & products or introduce the client to the appropriate expert.
• You recommend policy/procedure enhancements to better serve customers & team members.
• You achieve personal goals set by yourself & your Manager.
• You achieve Team Partnership (referral) results based on annual targets communicated by Manager.
• You assist in the successful achievement of goals set for the Branch & Bank as defined by bank’s annual organizational objectives

• You greet walk-in customers & answer incoming calls in a friendly, professional manner.
• You are responsible for ensuring that customer service is provided in a high-quality manner, as outlined in the bank’s strategic direction.
• You may occasionally assist customers with their current account needs. This includes checking, savings, certificates, safety deposit boxes, IRA’s & HSA’s, etc.
• You understand & comply with the related laws & compliance regulations that pertain to all your duties.
• You recognize any suspicious behavior & have the ability to make decisions when to consult management on any transactions.

• You assess emerging issues & potential liabilities.
• You have a thorough understanding of the compliance function & you comply with organization policies, systems, process & procedures with a strong commitment to the overall direction & focus of the organization.
• You are an established leader among peers & serve as the backup to the manager when needed.
• You are a designated Officer & as such you have the knowledge & authority to approve consumer loans, wires, ACHs & like as outlined in the Bank’s approval authority policy.
• As a part of the overall team of bank employees, you may be requested to assist in the support of other bank activities.
• You promote the AMAZING positive & energetic environment at Profinium by embracing our Purpose, Pledge & Profinium Core Values to guide your behavior.

Initiative – Leadership – Verbal/Written Communication – Detail Oriented – Sales Skills - Customer Orientation – Reliability – Adaptability – Problem-Solving – Technology Driven

• You value client…