Community Lending Advisor — Grow with Us

Wilson Bank & Trust; Cookeville (TN); On-site; USD 65,000 - 105,000; Full time

Job summary

Wilson Bank & Trust is hiring a Consumer & Small Business Lender in Cookeville, TN. You will meet with prospects to develop and retain a lending portfolio of consumer and small business loans, focusing on relationship-building and growth within a designated region.

You will collaborate with internal partners to offer banking products, provide excellent service, and align with company values while advancing community growth and financial outcomes.

Qualifications

• Bachelor’s degree in business, finance, or related field.
• 3 years of experience in consumer lending.
• Previous sales experience, specifically managing relationships and developing new business.
• Knowledge of real estate lending, documentation, collateralization, UCC-1 Law, lien perfections, and Deeds of Trust.
• Strong knowledge of financial principles, loan underwriting, lending regulations, credit analysis, and contracts with individual or corporate borrowers.
• Understanding of the loan-funding process and use of general ledger accounts for funding.
• Ability to work on multiple projects simultaneously.
• Effective verbal and written communication skills and excellent interpersonal skills.
• Effective presentation skills.
• Attention to detail, critical thinker and problem-solving skills.

Responsibilities

• Develop and retain a lending portfolio of consumer and small business loans within an assigned region.
• Retain and strengthen relationships and develop new business through various channels.
• Make business calls independently and with internal partners to offer banking products and services.
• Schedule and coordinate meetings with customers and prospects; attend events and serve as contact for clients.
• Receive loan applications and related documentation at submission.
• Conduct preliminary credit analysis and review financial statements.
• Prepare loan proposals and credit memos, negotiating terms and collateral specifications.
• Develop and maintain interest rate structures in line with bank policies and market rates.
• Comply with underwriting criteria including approval limits, LTV, lien position, and insurance requirements.

Skills

Excellent communication

Relationship building

Analytical thinking

Time management

Problem solving

Self-motivated

Education

Bachelor’s degree in business, finance, or related field

Job description

Wilson Bank & Trust is hiring a Consumer & Small Business Lender in Cookeville, TN. You will meet with prospects to develop and retain a lending portfolio of consumer and small business loans, focusing on relationship-building and growth within a designated region.

You will collaborate with internal partners to offer banking products, provide excellent service, and align with company values while advancing community growth and financial outcomes.