LC ASSOCIATE LENDER

Ohio Valley Banc Corp.; Gallipolis (OH); On-site; USD 48,000 - 66,000; Full time

Job summary

Ohio Valley Banc Corp. in Gallipolis, OH seeks a responsible consumer finance/loan and tax service professional. You will originate and assess loan applications, review tax information, and perform collections while maintaining confidential customer data.

You will support daily operations, collaborate with team members, and promote banking products and services, ensuring accurate records and high-quality customer service.

Qualifications

• Originate and assess creditworthiness and risk per lending authority.

Responsibilities

• Originate, assess creditworthiness and risk, verify information, and close loans within policy and regulatory requirements.
• Evaluate collateral and assess automobiles for loan decisions.
• Review tax return information with customers, including refunds and advances.
• Perform collections via in-person, phone, text, email, and written contact.
• Assist with audits, compliance, and daily office tasks.

Skills

Credit assessment

Customer service

Multi-tasking

Attention to detail

Independent work

Tools

Compass Technologies

Equifax

TaxSlayer

MS Word

Excel

Outlook

Paycom

Job description

Job Details

Job Location: Gallipolis, OH 45631 Supports daily operations in a fast-paced Consumer Finance/Tax Preparation Service environment. Provides customer service, various types of past due loan collections, loan solicitation and processing, credit assessment, tax preparation & and tax advance services. Takes & reviews loan applications, assesses credit risks, sound judgment to approve or deny credit, promotes Loan Central products and services. Maintains accuracy & safeguards confidential information while providing administrative support while managing multiple priorities. Requires strong origination skills, multi-taskers, attention to detail, and the ability to work effectively independently and as part of a team. Software used to perform duties: Compass Technologies, Equifax, TaxSlayer, Smartpay/Profitstars, Microsoft Word, Excel, & Outlook, Constant Contact, MLA, Paycom & Clearfly, etc.

Qualifications

Originate, assess applicant creditworthiness and risk, verifying information, make sound lending decisions and close tax advances & consumer loans within established lending authority, company policies and applicable legal and regulatory requirements. Evaluate collateral by inspecting & assessing automobiles. Understand basic tax returns & be able to review & discuss tax return information with customers, including tax refund and tax advance details. Collect past-due loan & tax accounts through timely, professional collect efforts, including skip tracing & in-person, telephone, text message, email and written contact. Assist manager with accounts involving litigation, repossessions, bankruptcies, and other escalated collection matters. Conduct business development calls, participate in email, text and direct mail solicitation campaigns, and develop relationship with dealers and business partners to generate loan referrals. Provide exceptional customer service, resolve customer concerns, and identify appropriate solutions to problems. Maintain complete, accurate, and timely customer loan records, including documentation of lending decisions, account activity, and collection contacts. Maintain knowledge of insurance products offered and perform administrative tasks in insurance processing, claims handling & reporting. Safeguard confidential customer information and complying with company policies, internal controls and applicable laws & regulations. Assist Manager with audits, information gathering, & other compliance-related activities. Perform filing, basic office cleaning, and other general office duties as needed. Assist management and colleagues with daily operations & provide guidance and support to other staff members as needed.