Consumer Loan Advisor

Baker Boyer Bank; Walla Walla (WA); On-site; USD 63,000 - 70,000; Full time

Benefits offered by this job

Great Benefits

Volunteer time

Life Insurance

Wellness Program

Job summary

Baker Boyer is seeking a Consumer Loan Advisor in Washington state to guide clients through personal loan options, including real estate-related loans, and to build relationships with realtors and COIs. You will learn loan processing, review credit needs, and support across Baker Boyer teams, contributing to client satisfaction and loan growth.

This role emphasizes relational service, accurate documentation, and proactive problem solving, with opportunities for community involvement and career

Qualifications

• Associate’s degree (or equivalent) or Bachelor’s degree, preferably in Finance, Accounting, Business or related field.
• Minimum five years previous lending/banking experience.
• Must be able to obtain NMLS SAFE mortgage loan originator number.

Responsibilities

• Learn and develop daily planning and scheduling routines in the Consumer Loan Center.
• Build partnerships bank-wide to achieve goals.
• Assist clients with consumer loan applications and inquiries; refer to appropriate partner.

Skills

Communication

Client service

Time management

Banking software (Encompass)

Education

Associate’s or Bachelor’s degree in Finance/Business

Tools

Encompass

Microsoft Office

Job description

Description

About Baker Boyer:

Baker Boyer is the oldest independently owned community bank in the Pacific Northwest. It serves the Walla Walla Valley, Tri-Cities and Yakima Valley communities, providing wealth management as well as personal and business banking services.

What We Offer:

• Consumer Loan Advisor - $30.25 - $33.65 per hour
• Great Benefits!Medical, Dental, Vision plans with additional:
  • AD&D & Life Insurance
  • Long Term Disability
• 401(k) -100% safe harbor match up to 6%, plus an additional profit-sharing contribution, resulting in employer contributions of up to 12% of annual salary.
• 10 days* of Vacation time – The annual Vacation accrual increases by a day each year for the first 10 years, and an additional half day each year for the next 10 years, reaching the maximum Vacation accrual of 25 days at year 20.
• 7 days* of Sick, Safe & More (SSMORE) leave – SSMORE accrues at a rate of 1.2 hours for every 40 hours worked. SSMORE is intended to meet sick and safe leave needs, but it can also be used for vacation or other personal leave.
• 3 Revive & Renew (R&R) days* – We understand the importance of unwinding and recharging, so these R&R days are loaded on the first of each year (prorated for new hires based on the quarter in which they’re hired).
• 11 Paid Federal Holidays annually*

*Number of paid holidays may be fewer than 11 on years when there are Federal Holidays that are observed on Saturdays.

• Life Assistance Plan
• Free access to financial counselors
• Employee Wellness Program
• 8 hours of paid volunteer time annually

About the Consumer Loan Center:

The Baker Boyer Consumer Loan Center is a team of professionals who handle consumers’ personal loan requests, from start to finish, with a sense of urgency. With a client-centered approach, we consider the clients’ long-term goals and all aspect of the needs before recommending a single loan product. We partner with the DS Baker Advisors to create a seamless experience for the client. Our team is relied upon to meet the consumer lending needs of the communities we serve.

About the Consumer Loan Advisor role:

As a member of the team, the Advisor will work to provide quality service to clients seeking various consumer loans including one to four family real estate loans, construction loans, secured and unsecured loans and lines of credit. This is a relational position that provides clients with a variety of information pertaining to the products and services available throughout Baker Boyer and then refers the client(s) to the appropriate partner and/or department. This person will have the responsibility of learning all Consumer Loan functions necessary in the Consumer Loan department. There will be opportunity to network and build relationships with customers and participate in Community Events.

Roles and Responsibilities

• Learn and develop daily planning and scheduling routines to achieve high efficiency in the Consumer Loan Center.
• Build partnerships outside the Consumer Loan Center to ensure successful goal attainment bank-wide.
• Work with managers and staff to proactively meet client needs in a responsive, efficient manner, across department lines.
• Partner with staff outside department as a consultant, identifying processing problems and concerns.
• Provide appropriate advice, counseling and solutions to client’s inquiries and problems. Work with co-workers to proactively meet client needs in a responsive efficient manner.
• Earn client loyalty through superior service and responsiveness.
• Create a connection and develop personal rapport with customers; ask questions to learn more about them as individuals and their financial needs without being obtrusive.
• Develop a consumer and residential loan portfolio by assessing the credit needs of clients.
• Engage in the taking of consumer loan applications, interviewing applicants, and requesting further information where necessary.
• Identify client needs and proactively recommend products and services that fill those needs or refer to areas that can help them with these products and services.
• Responsible for retaining and expanding existing client relationships as well as seeking out and developing new business.
• Partner with other Consumer Loan Center employees and DS Baker Advisors to seek and communicate referrals, as well as best meet client needs throughout the loan process.
• Promote loan growth through the development of relationships with realtors and COI’s.
• Identify and recommend products and services to current and prospective clients to best meet client needs.
• Engage in community service activities that will promote the loan officer and Baker Boyer programs and products to current and prospective clients.
• Provide financial guidance to clients and prospective clients.
• Recommend and refer clients to other DS Baker Advisors and Baker Boyer services.
• Assist in training and cross training within department.

Skills and Qualifications

• Strong verbal and written communication skills. Proactive to communicate with clients and Consumer Loan Center team. Ability to express ideas and concepts clearly.
• Demonstrated superior client care and client retention skills to include ability to deliver professional and courteous contact in person, on the phone or via written communication.
• Possess a careful and thorough client-centered approach; seeks to fully understand and clarify clients’ needs, requests and expectations.
• Exceptional time management skills, attention to detail and accuracy.
• Ability to work independently, and to efficiently organize and prioritize multiple projects/tasks.
• Demonstrated strong self-development skills including co-worker and/or client recognition, motivation and conflict resolution.
• Proactive to build and maintain positive relationships internally and cross-departmentally.
• Demonstrated technical capacity. Strong knowledge and ability to use Loan processing software, Encompass, Microsoft Office Suite (Word, Excel, Outlook, PowerPoint, Teams) with proficiency and accuracy. Ability to efficiently learn bank-specific software.
• Knowledgeable about consumer regulations, prescribed rates, and terms.
• Is a team player: willing to delegate important tasks or take on additional tasks, as needed.
• Proactively builds and maintains positive relationships by portraying an approachable and open-minded outlook.
• Demonstrate the ability to consistently deliver a high level of independent judgment and decision-making throughout support teams. Works with minimum supervision and confers with manager on unusual matters.
• Ability to promote teamwork, provide communication to clarify direction and support management objectives.
• Proactive to confront and resolve conflicts and/or problems.
• Knowledge of, or ability to easily learn and then consistently follow, banking and Consumer Loan Center policies and procedures.

Education and Experience

Associate’s degree (or equivalent) or Bachelor’s Degree, preferably in Finance, Accounting, Business or related field. Minimum five years previous lending/banking experience, which could include experience in accounting, bookkeeping, residential lending, consumer lending, business lending or a financial analyst role, or an equivalent combination of education, experience, and training that provides the required knowledge and abilities to do the job. This could include demonstrated experience in a lending capacity to build relationships with referral partners and clients. Must have the ability to obtain NMLS SAFE mortgage loan originator number.

Physical Demands/Conditions Requirements:

The job tasks and 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 as appropriate to enable individuals with qualified disabilities to perform the essential functions.

While performing the duties of this job, the person in this role is regularly required to sit, write, type, speak, and listen. The employee is occasionally required to stand, walk, reach, stoop, kneel, or crouch. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color and peripheral vision, depth perception and ability to adjust focus. Ability to sit at desk and work on computer. This position may require travel up to 20% of the time.

Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this job at any time. Baker Boyer believes that each employee makes a significant contribution to our success. That contribution should not be limited by the assigned responsibilities. This position description is designed to outline primary duties, qualifications, and job scope, but not limit our employees or nor the organization to adjust the work identified. It is our expectation that each employee with offer his/her services wherever and whenever necessary to ensure the success of the company.

Baker Boyer is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, citizenship, disability or protected veteran status.

Baker Boyer is an equal opportunity employer.
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.