Job Description
Loan Officer I
Department
Loan Department
Reports To
Senior Lender
Officer/Non-Officer
VP, AVP or AC Officer
FLSA Category
Exempt Employee
Work Location
Retail Lending
Responsibilities & Duties
Purpose of Position
Loan Officer I are entry-level lenders responsible for maintaining and/or generating a loan portfolio including Consumer loans and loan renewals as assigned by Senior Lender. This position is responsible for soliciting, negotiating, documenting, underwriting and coordinating the closing of loans in compliance with the Bank's lending policies and procedures. Lender positions are based on productions and evaluated in relation to loan projection goals. Lenders are to develop and maintain professional relationships with customers, promote business growth of the bank’s products and services.
[NEEDS QUANTIFIABLE MATRIX FOR EVALUATION- PORTFOLIO PROJECTION]
Duties and Responsibilities
Qualifications
Minimum Education Requirements
Bachelor’s degree in a business-related field, (preferably accounting or finance) or equivalent work experience.
Minimum Experience & Skill Requirements
Experience in servicing consumer, commercial and mortgage loan review with increased responsibilities for profitably in loan concentration. Strong financial services (preferably Banking) background and working knowledge of industry, including good understanding of credit analysis, financial statements, lending practices and operations processes. Effective communicator both in written and oral communication. Balanced decision-maker; strategic thinker; demonstrate understanding and appreciation for all facets of the business (both business development and operational/staff functions). Track record of leading and motivating people particularly achieving loan and deposit growth targets. Ability to meet deadlines and sales goals.
Additional Information
Disclosure
This position description is subject to change at the discretion of the needs of the bank and does not create a contract, implied or otherwise; this position is an “at will” employment position. This position description in no way confines these functions to be the only task, responsibilities or duties of this position. Employees have the responsibility to safe guard information, maintain confidentiality and engage in safe and sound banking practices, inside and outside the bank.
Last Revision Date
03/23/2023
Support
Any questions, please contact: Human Resources (205) 884-1520
Minimum 5 year of Vertex Implementation experience
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