Consumer Lender - Retail

Red-River-Bank; Pineville (LA); On-site; USD 55,000 - 85,000; Full time

Job summary

Red River Bank in Pineville, LA is seeking a Regular Full-Time Loan Officer to examine, evaluate and authorize or recommend approval of consumer loan applications. You will interview applicants, request credit reports, analyze finances, and determine feasibility of lending while ensuring compliance and timely closings.

The role requires a Bachelor's degree or equivalent lending experience, strong detail orientation, and the ability to cross-sell bank services.

Qualifications

• Bachelor's degree (B. A.) from four-year college or university; and one to two years related experience and/or training; or minimum of five years lending experience in lieu of college degree.

Responsibilities

• Interviews applicant to determine loan requirement and gather pertinent information for loan application.
• Requests applicant credit reports, background checks, reference checks, and other information pertinent to loan applicant's evaluation.
• Analyzes applicant financial status, credit, and asset evaluation to determine feasibility of granting loan or submits application to credit analyst for verification and recommendation.
• Resolves uncertainties relating to customer application information through inquiries with applicant or creditors.
• Approves loan within specified limits or refers loan to loan committee for approval.
• Compiles loan package and facilitates negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.
• Ensures loan agreements are complete and accurate according to bank policy.
• Assures timely loan closing and funding activities.
• Identifies and analyzes potential loan markets to develop prospects for consumer loans.
• Promotes and cross-sells other establishment products and services as appropriate to customer requirements.
• Complies with all applicable banking regulations, including Bank Secrecy Act.
• Follows Red River Bank policies and procedures.
• Attends or completes all required training.

Skills

Attention to detail

Credit analysis

Customer interview

Banking regulations

Education

Bachelor's degree

Tools

Spreadsheet

Word Processing

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Regular Full-Time Pineville, Pineville, LA, US

4 days ago Requisition ID: 1784

Summary

Examines, evaluates, and authorizes or recommends approval of customer applications for consumer loans by performing the following duties.

Essential Duties and Responsibilities

include the following. Other duties may be assigned.

• Interviews applicant to determine loan requirement and gather pertinent information for loan application.
• Requests applicant credit reports, background checks, reference checks, and other information pertinent to loan applicant's evaluation.
• Analyzes applicant financial status, credit, and asset evaluation to determine feasibility of granting loan or submits application to credit analyst for verification and recommendation.
• Resolves uncertainties relating to customer application information through inquiries with applicant or creditors.
• Approves loan within specified limits or refers loan to loan committee for approval.
• Compiles loan package and facilitates negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.
• Ensures loan agreements are complete and accurate according to bank policy.
• Assures timely loan closing and funding activities.
• Identifies and analyzes potential loan markets to develop prospects for consumer loans.
• Promotes and cross-sells other establishment products and services as appropriate to customer requirements.
• Complies with all applicable banking regulations, including Bank Secrecy Act.
• Follows Red River Bank policies and procedures.
• Attends or completes all required training.

To perform the job successfully, an individual should demonstrate the following competencies : Demonstrates attention to detail.Identifies and resolves problems in a timely manner;

Gathers and analyzes information skillfully; Develops alternative solutions.

Manages difficult or emotional customer situations; Responds promptly to customer needs . Maintains confidentiality. Displays willingness to make decisions;

Exhibits sound and accurate judgment. Uses time efficiently. Reacts well under pressure.

QualificationsTo perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience

Bachelor's degree (B. A.) from four-year college or university; and one to two years related experience and/or training; or minimum of five years lending experience in lieu of college degree.

Summary

Examines, evaluates, and authorizes or recommends approval of customer applications for consumer loans by performing the following duties.

Essential Duties and Responsibilities

include the following. Other duties may be assigned.

• Interviews applicant to determine loan requirement and gather pertinent information for loan application.
• Requests applicant credit reports, background checks, reference checks, and other information pertinent to loan applicant's evaluation.
• Analyzes applicant financial status, credit, and asset evaluation to determine feasibility of granting loan or submits application to credit analyst for verification and recommendation.
• Resolves uncertainties relating to customer application information through inquiries with applicant or creditors.
• Approves loan within specified limits or refers loan to loan committee for approval.
• Compiles loan package and facilitates negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.
• Ensures loan agreements are complete and accurate according to bank policy.
• Assures timely loan closing and funding activities.
• Identifies and analyzes potential loan markets to develop prospects for consumer loans.
• Promotes and cross-sells other establishment products and services as appropriate to customer requirements.
• Complies with all applicable banking regulations, including Bank Secrecy Act.
• Follows Red River Bank policies and procedures.
• Attends or completes all required training.

Competencies

To perform the job successfully, an individual should demonstrate the following competencies : Demonstrates attention to detail.Identifies and resolves problems in a timely manner;

Gathers and analyzes information skillfully; Develops alternative solutions.

Manages difficult or emotional customer situations; Responds promptly to customer needs . Maintains confidentiality. Displays willingness to make decisions;

Exhibits sound and accurate judgment. Uses time efficiently. Reacts well under pressure.

QualificationsTo perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience

Bachelor's degree (B. A.) from four-year college or university; and one to two years related experience and/or training; or minimum of five years lending experience in lieu of college degree.

Computer Skills

To perform this job successfully, an individual should have knowledge of Spreadsheet and Word Processing software.

Physical DemandsThe physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this Job, the employee is regularly required to sitand talk or hear. The employee is occasionally required to stand; walk; use hands to finger, handle, or feel and reach with hands and arms. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

Work EnvironmentThe work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate.