Loan Officer

First Citizens Bank; Delaware; On-site; USD 60,000 - 80,000; Full time

Benefits offered by this job

Health benefits

401k w/ company match

Life and disability insurance

Employee Assistance Program

Job summary

First Citizens Bank is hiring for a full-time position requiring relationship management skills to build a network of referral sources. Responsibilities include loan portfolio management, supporting a sales culture, and operational involvement to ensure a positive customer experience.

The ideal candidate should possess a thorough understanding of banking principles and excellent communication skills, with over three years of relevant experience. Benefits include health insurance, a 401k with company match, and other support plans.

Qualifications

• General understanding of marketing, investment, and lending principles.
• Knowledge of bank products and services features.
• Proficient with bank operating policies and procedures.
• Working knowledge of account management.

Responsibilities

• Build and service a network of referral sources for mortgage business.
• Evaluate and administer a residential mortgage loan portfolio.
• Support sales culture by participating in sales meetings.
• Maintain knowledge in banking matters and management techniques.

Skills

Relationship management

Sales culture support

Communication skills

Basic accounting skills

Proficiency in Microsoft Office

Education

Education beyond high school diploma

Specialized education and training (preferred)

Tools

Position-related software

Job description

PA • FCCB Location Flexibility - Within DE Market

Job Type

Full-time

Description

• Utilize relationship management skills and techniques combined with personal business development efforts to build and service a network of high-quality referral sources in order to achieve new mortgage business, income and growth goals and service the needs of customers.
• Initiate, evaluate, process, and administer a loan portfolio of residential mortgages that meet or exceed the bank’s credit quality, profitability, loan growth and service objectives and provide customers with an ability to protect loan payments at minimum costs via credit life and A/H sales in order to contribute to the bank’s lending profit objectives without compromising quality and to minimize customer and bank loan loss.
• Support a sales culture in the bank by making quality deposit, commercial, and investment/trust referrals and actively participating in sales meetings. Provide mortgage lending support and assistance to branches while ensuring that superior customer service is evidenced by a noticeably positive customer experience at every point of contact in order to promote an active sales and customer service team that achieves growth and income objectives.
• Support operational activities by keeping informed about operational functions and assisting in mortgage product development, support, and training in order to achieve profit and growth objectives and ensure effective and efficient operational programs.
• Develop and maintain a personal program for maintaining an adequate level of knowledge in banking matters, competitive factors, and management techniques; also demonstrate personal and interpersonal behavior, attitude, judgment, communication and initiative with customers and employees in order to ensure an acceptable degree of performance.

Hours

This position will have commission-based compensation. Hours will be as needed, averaging approximately 40 per week.

Requirements

• General understanding of marketing, investment and lending principles, and of bank-related laws and regulations.
• Knowledge of the features and benefits of bank products and services.
• Working knowledge of bank operating policies and procedures.
• Basic accounting skills.
• Proficient in Microsoft Office Suite and related program software.
• Proficient with or the ability to quickly learn position-related software.
• Three-plus years of position-related experience.
• Up to three years of mortgage and secondary market lending experience.
• Education beyond a high school diploma or equivalent educational experience.
• Specialized and position related education and training. (preferred)

Benefits

• Health, dental, and vision benefits
• 401k w/ company match
• Group and voluntary life insurance and disability insurance
• Aflac supplemental plans
• Employee Assistance Program

First Citizens Community Bank is committed to equal employment opportunity and does not discriminate on the basis of any legally protected status or characteristic. Protected veterans and individuals with disabilities are encouraged to apply.