Consumer Lending Advisor

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

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.