Consumer Lending Specialist: Approvals & Guidance

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

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.