Job Information
Community National Bank & Trust Consumer and Real Estate Loan Officer in Emporia, Kansas
This job was posted by https://www.kansasworks.com : For more information, please see: https://www.kansasworks.com/jobs/12925011
JOB DESCRIPTION: Consumer and Real Estate Loan Officer
DEPARTMENT/DIVISION: Lending
REPORTS TO: President
SUPERVISES: No Supervisory Responsibility
GENERAL FUNCTIONS
ASSURES QUALITY CUSTOMER SERVICE IN A FRIENDLY, ACCURATE AND PROFESSIONAL MANNER.
JOB SUMMARY
Develop and manage consumer and real estate accounts which meet established lending requirements and which provide maximum profitability to the bank with a minimum of risk. Must have lending experience.
DUTIES
- Interview loan applicants as well as collect and analyze financial and related data to determine the general creditworthiness of the prospect and merits of the specific loan request.
- Establish and negotiate terms under which credit will be extended, which include costs, repayment method and term as well as collateral requirements.
- Collect and analyze information, which reflects current creditworthiness of customers and the current merits of existing loans. Obtain information by direct inspection of applicants business and/or collateral, review interim financial reports and visit personally with the customer.
- Monitor loan repayment activities and take necessary action to collect from past-due accounts.
- Advise customers, where possible, on business management and financial matters.
- Contact new prospects and customers to develop new business and cross-sell bank services
- Possess organizational skills in their work environment, while maintaining open communication with supporting lending and deposit staff members.
- Undertake special projects relating to departmental services.
- Ensure the protection of the banks interests in matters of adequate documentation and adherence to bank policy; the various laws and regulations applicable to department operations as well as exercise sound credit decisions.
- Handle difficult or complex problems, transactions, computations and servicing of credits of a difficult nature.
- Ensure maintenance of good customer relations in cases involving improperly completed legal forms, collection problems, credit decisions and servicing operations in general.
- Participate in community organizations and community projects to increase banks visibility and enhance new business opportunities.
- Other duties as assigned
*Other Duties\ *Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.