Consumer Lender - Bellefontaine

Richwood Bank; Bellefontaine (OH); On-site; USD 55,000 - 85,000; Full time

Benefits offered by this job

401(k) plan

Tuition reimbursement

Professional development opportunities

Job summary

Richwood Bank is seeking a Consumer Lender to evaluate and recommend the best lending products for customers, guiding them from application through closing. The role focuses on attracting customers, processing loans, and maintaining strong relationships to ensure an exceptional customer experience.

The position emphasizes thorough financial data analysis, compliance, and collaboration with realtors, builders, and other business partners to grow lending opportunities and deliver top-tier service.

Qualifications

• High School Diploma or GED required
• Bachelor's degree in finance or business administration or equivalent years of experience required
• Banking experience preferred
• Sales experience preferred

Responsibilities

• Prospects new lending opportunities and recommends 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 on customers, prospective clients, and centers of influence clients and tracks activity in bank's CRM system
• Manages account data
• Maintains approval and Rejection Records
• Processes Loan applications, gather financial data, establish payment plans, deliver details of loan proposal to prospective borrowers
• Develops new business through contacts with realtors, builders, banking centers and other lines of business referrals
• Collects Customer Financial information and input into processing software
• Ensures exceptional customer experience by overseeing loan process from origination to close and ongoing communication
• Analyzes customer tax returns/credit reports/financial statements to verify eligibility
• Verifies collateral values
• Scans documents and prepares files for loan administration processing
• Assists in creating loan committee worksheets and presenting to loan committee for approval
• Works with loan processing to order appraisals, title work, and closing documents
• Keeps customers updated on loan status
• Communicates with insurance agents, realtors and HOA representatives as needed
• Performs UCC and federal tax lien searches as needed
• Inspects construction progress on applicable loans
• Attends loan closings and completes post-documentation
• Fills out and submits loan maintenance forms when addendums are needed
• Networks within communities to build relationships and identify potential customers
• Runs loan payoffs for Richwood Bank customers
• Contacts current loan customers for annual financial information collections as required by FED
• Attends meetings and other committees
• Responds to security alarms if triggered
• Ensures data compliance with laws
• Participates in trainings
• Assists branch personnel with opening/closing procedures and dual control measures

Skills

Customer service

Interpersonal skills

Problem solving

Clear communication

Accuracy

Punctual

Organized

Confidentiality

Consultative selling

Learn new technology

Financial terms understanding

Data analysis

Attention to detail

NMLS registered

Education

High School Diploma or GED

Bachelor's degree in finance or Business Administration or equivalent

Banking experience

Sales experience

Job description

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!

Essential Functions

• 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 substantial loans for annual financial information collections as required by federal reserve
• Attends meetings and other committees
• Responds to Security Alarms if they are triggered
• Ensures data are in line with national and local financial rules
• Ensures compliance with privacy laws and confidentiality policies throughout the process
• Participates in assigned trainings
• Assists branch personnel with general opening/closing procedures and dual control measures when staffing requires

Skills and Abilities

• Excellent customer service skills
• Must possess strong interpersonal skills
• Must be adept at problem solving, including being able to identify issues and resolve programs in a timely manner
• Must be able to communicate clearly, both written and orally, as to communicate with employees, and members of management team
• Dependable
• Punctual
• High degree of accuracy
• Analyze complex financial data
• Detailed and organized
• Maintain confidentiality at all times
• Well versed in consultative selling; ability to generate new business sales, retain existing business, and close sales.
• Maintain a positive can-do attitude towards your team and customers
• Driven to succeed and open minded to learn more about new technology within our industry
• Familiarity with financial terms and practices
• Strong analysis and organizational skills
• Ability to gather, analyze, and assess data
• Accurate typing skills; basic computer skills, including the use of word processing, spreadsheet software applications, and e-mail
• Ability to be NMLS registered

Education

• High School Diploma or GED required
• Bachelor's degree in finance or Business Administration or equivalent years of experience required
• Banking experience preferred
• Sales experience preferred

As an Equal Opportunity Employer, The Richwood Banking Company does not discriminate in hiring or terms and conditions of employment because of an individual's race, creed, color, gender, age, sexual orientation, disability or national origin. The Richwood Banking Company only hires individuals authorized for employment in the United States.

Prior to employment at The Richwood Banking Company, individuals are subject to a criminal background check, BMV check and must commit to our drug free workplace policy.

Neither the publication of this job description nor the performance of the duties prescribed herein negates the at-will employment policy, which is specifically preserved. The employment relationship between The Richwood Banking Company (Bank) and any of its employees may be terminated by the Bank or the employee at any time for no reason or for any reason that is not contrary to law.

Candidates are subject to background and credit checks. Employement is contingent upon results that meet company standards and applicable laws.