Consumer Lender - Springfield​/Limestone

Consumer Lender

At Richwood Bank, our purpose is to inspire, protect, and celebrate anything that makes communities thrive.

Have you ever wanted to work for a company that exceptionally lives its values? One hundred and fifty years ago, we began as a small community bank. Today, we are still a community bank – as well as a payroll processing team, a marketing agency, a coffee shop, and more. We have flipped the switch on traditional banking. Yet, we have always aimed to provide the very best customer experience, contribute to the greater good of our local communities, and make every effort to be the best employer in the area with a company culture that works hard to develop, recognize, and award its team.

The Consumer Lender is knowledgeable in Richwood Bank's full spectrum of consumer lending products and banking services. This role is responsible for evaluating and recommending the best products for our customers' needs, helping our customers through the application process from initial paperwork to gathering necessary financial information and documents. The Consumer Loan Officer will be responsible for attracting customers and completing loan processing and closing tasks.

Richwood Bank prides itself on unique company culture and all team members should be active and engaged participants.

Richwood Bank has a comprehensive benefits package for full time employees including but not limited to, medical and wellness program, dental, vision, employee assistance plan, life insurance and supplemental short-term disability. Full-time and part-time employees have access to a 401(k) plan, an enhanced Wellness program, tuition reimbursement and tons of professional development opportunities!

• Prospects new lending opportunities and recommend the best products based on the customers individual needs
• Cross sells other services and products that can create more efficiency and savings for our customers
• Conducts Customer Outreach and Support
• Calls (by phone and in-person) on customers, prospective clients, and centers of influence clients and tracks activity in bank's Customer Relationship Management (CRM) system.
• Manages account data
• Maintains approval and Rejection Records
• Processes Loan applications, gather financial data, establish payment plans, delver details of loan proposal to perspective borrowers
• Develops new business through contacts with realtors, builders, banking centers and other lines of business referrals
• Collects Customer Financial information and input into correct processing software
• Ensures exceptional customer experience by overseeing loan process from origination to close and providing on-going communication to customers and business partners
• Analyzes customer tax returns/credit reports/ financial statements to verify eligibility
• Verifies collateral values
• Scans all documents and prepare files for loan administration processing
• Assists in creating loan committee worksheets for presentation to loan committee and present loan applications to loan committee for approval as required
• Works with loan processing to order appraisals, title work, and any closing loan docs
• Stays in communication with customers regarding status of loan applications and process
• Communicates with insurance agents, realtors, home owner's association representatives as needed
• Performs Uniform Commercial Code (UCC) and federal tax lien searches as needed
• Inspects construction progress on applicable loans
• Attends loan closing event and prepare all post-documentation for filing
• Fills out and submit loan maintenance forms when loan addendums are needed
• Networks within communities to build relationships and identify potential customers
• Runs Loan payoffs for Richwood Bank customers
• Contacts current loan customers with…