Lending Advisor for Homes & Small Businesses

Wilson Bank & Trust

United States

On-site

USD 70,000 - 100,000

Full time

14 days+

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Benefits offered by this job

Generous PTO

Personal days

Sick time

Short-term disability pay

Employee Assistance Program

Employee Care Fund

Rewards platform

Employee Stock Purchase program

Job summary

Wilson Bank & Trust is seeking a Consumer & Small Business Lender II in Williamson County, TN. The role focuses on developing and retaining a lending portfolio, meeting with prospects, and strengthening client relationships while collaborating with internal partners to offer banking products and services.

The position emphasizes providing excellent service, evaluating loan opportunities, and maintaining compliance with banking regulations.

Qualifications

Bachelor’s degree in business, finance, or related field.
3 years of experience in consumer and small business lending.
Previous sales experience, specifically managing relationships and developing new business.
Solid understanding of real estate lending, documentation, collateralization, UCC-1 Law, lien perfections, and Deeds of Trust.
Strong knowledge of financial principles, loan underwriting, lending regulations, credit analysis, and contracts with individual or corporate borrowers.
Understanding of the loan-funding process and use of general ledger accounts for funding.
Ability to work on multiple projects simultaneously.
Effective verbal and written communication skills and excellent interpersonal skills.

Responsibilities

Develop and retain a lending portfolio of consumer and small business loans, meeting with prospects and customers of various size and complexity.
Retain and strengthen current relationships and develop new business through various channels.
Make business calls independently and in collaboration with internal business partners to offer a range of banking products and services.
Schedule and coordinate meetings with customers and prospects.
Attend business events.
Serve as a primary point of contact for new and existing customers.
Collect and analyze loan applications and required documentation.
Promote the Bank’s products and services to include advising customers on the advantages and disadvantages of various financial products.
Conduct preliminary credit analysis, review customer financial statements, and make recommendation to management.
Prepare loan proposals and credit memos, negotiating terms such as loan repayment methods and collateral specifications.
Develop and maintain interest rate structure consistent with bank policies and procedures and competitive with current market rates.
Comply with loan underwriting criteria to include approval limits, LTV, lien position, insurance requirements, etc.
Responsible for monitoring construction draws, clearing exceptions, and gathering financial documentation from customers and internal teams.
Monitor loan status and follow up on outstanding documentation.
Communicate with prospects and borrowers on the status of credit decisions.
Maintain collection efforts to minimize past-due accounts.
Attend office and bank meetings, as scheduled, providing input and updates on lending activities as required.
Maintain professional and technical knowledge by attending educational workshops; reviewing professional publications; establishing personal networks; and participating in professional associations.
Adhere to compliance with all federal bank regulations and laws, including those for consumer protection and the Bank Secrecy Act/Anti-Money Laundering Program.
Attend training and participate in outside community activities, as requested and/or required.
Perform other duties as assigned.