Branch lending officer job description

The Commercial Lending Officer is responsible for soliciting, negotiating, underwriting and coordinating the closing of complex consumer, residential, equipment, SBA, construction, commercial building and business loans in compliance with the Bank’s lending policies and procedures. This position will be focused on developing the bank’s C&I portfolio; develops business checking and deposit relationships with customers; and promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services. The position of Commercial Lending Officer assists in attaining established Bank, region and branch goals through active participation in sales management and officer call programs, and is expected to provide leadership, training and support to less experienced loan officers and other staff members.

Assures compliance with all Bank policies and procedures, as well as all applicable state and federal banking regulations.

1. Manages a portfolio of clients as well as engages in business development activities and solicitation of new business.

2. Thinks like businesspeople and builds winning relationships with existing clients as well as prospects and business owners in our community. Serve as a valued advisor to the client by developing a comprehensive product offering customized to their banking/lending needs. Partner with Branch Managers to enhance the client relationship.

3. Interviews prospective applicants and requests specified information related to loan or credit application. Performs pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.

4. Gathers and analyzes all information necessary to present a financing request to Senior Management or Loan Committee for approval; meets with existing or potential customers; visiting sites of loans; negotiates loan terms and conditions; refers and recommends acceptance to the Loan Committee.
5. Coordinates processing of approved loans.
6. Represents the Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image and develop additional business; assists the Bank in establishing and maintaining market position in the financing arena.
7. Cross sells the Bank’s other products and services, referring customers to appropriate staff as indicated. Works closely with Branch Managers to enhance client relationship with the Bank.
8. Assists in meeting annual deposit and loan growth goals assigned by senior management; participates in various internal committees assigned by senior management.
9. Assists Senior Management with developing, analyzing and finalizing complex loan agreements with representatives of large businesses.


MINIMUM REQUIREMENTS
Bachelor’s degree (BA) or equivalent from a college or university; 10 or more years of related experience and/or training; or the equivalent combination of education and experience. Work related experience should consist of a financial analyzing or lending background. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related. Advanced experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas. Advanced experience, knowledge and training in all lending activities and terminology. Advanced knowledge of commercial, construction, real estate and consumer loan processing. Advanced knowledge of related state and federal lending and compliance regulations, and other Bank lending policies. Intermediate skills in computer terminal and personal computer operation; mainframe computer system; word processing, Excel spreadsheets and specialty software programs. Current driver’s license and a vehicle with appropriate insurance coverage if required to drive while performing assigned duties and responsibilities. The ability to fluently speak and write in a second language, such as Spanish, is preferred.


Apollo Bank is Equal Employment Opportunity and Affirmative Action Employer
EOE/M/F/Vets/Disabled

Allied Universal , North America's leading security and facility services company, provides rewarding careers that give you a sense of purpose. While working in a dynamic, diverse and inclusive workplace, you will be part of a team that fuels a culture that will reflect in our communities and customers we serve. We offer medical, dental and vision coverage, life insurance, 401K, employee assistance programs, company discounts, perks and more for all full-time positions!

As a Security Officer, you will serve and safeguard clients in a range of industries such as Commercial Real Estate, Healthcare, Education, Government and more.
Responsibilities:

* Provide customer service to our clients by carrying out safety and security procedures, site-specific policies and when appropriate, emergency response activities
* Respond to incidents and critical situations in a calm, problem solving manner
* Conduct regular and random patrols around the business and perimeter. Working environments and conditions may vary by client site.

Minimum Requirements:

* Be at least 18 years of age for unarmed roles; 21+ years of age for armed roles
* Possess a high school diploma or equivalent, or 5 years of verifiable experience
* As a condition of employment, applicants will be subject to a background investigation in accordance with all federal, state, and local laws. Allied Universal will consider qualified applications with criminal histories in a manner consistent with applicable laws.
* As a condition of employment, applicants will be subject to a drug screen to the extent permitted by law.
* Licensing requirements are subject to state and/or local laws and regulations and may be required prior to employment.
* A valid driver's license will be required for driving positions only

Perks and Benefits:

* Health insurance and 401k plans for full-time positions
* Flexible part time and full-time schedules that fit with your personal life goals
* Ongoing paid training programs and career growth opportunities
* Employee discounts through our perks program to your favorite restaurants, entertainment venues and much more…

Allied Universal is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race/ethnicity, age, color, religion, sex, sexual orientation, gender identity, national origin, genetic information, disability, protected veteran status or relationship/association with a protected veteran, or any other basis or characteristic protected by law. For more information: www.aus.com

If you have any questions regarding Equal Employment Opportunity, Affirmative Action, Diversity and Inclusion, have difficulty using the online system and require an alternate method to apply, or require an accommodation at any time during the recruitment and/or employment process, please contact our local Human Resources department. To find an office near you, please visit: www.aus.com/offices.

• Represents the Credit Union in a courteous, engaging, professional manner and provides excellent member service to both members and internal teammates. Is efficient, results driven, and accurate. Understands the impact of behavior and performance on the credit union, the members, potential members, and teammates.
• Conducts productive interviews with loan applicants, gathering the required information for a credit application. Explains loan options, rates, terms, and collateral requirements. Educates members by providing accurate information regarding credit union products, services, policies, and procedures, helping them to arrive at a beneficial conclusion. Understands and conveys to members the appropriate rules and regulations related to loan products and services. Understands, interprets, and provides follow-up on important data from consumer credit reports.
• Tracks progress and maintains up-to-date status of all types of consumer loans. Responsible for input and/or verification of data provided by members, credit reports, and third-party vendors. Responsible for acting as a liaison between Underwriting and the member. Thoroughly documents purpose of loan request and any additional information that will assist Underwriter with the decision process. Thoroughly documents status of loan decision, including any follow-up required by member. Effectively explains loan decisions, stipulations, and requirements to members.
• Responsible for obtaining and verifying pertinent documentation based on consumer loan type and conditions, including but not limited to identification documents, income verification documents, vehicle purchase order / intent to sell, proof of insurance and payoffs from other financial institutions or creditors. Works closely with other departments to identify and prevent loan fraud.
• Coordinates execution and delivery method of loan documents with members.
• Establishes repayment and interest schedules based upon loan guidelines and rates.
• Creates and updates loans in core system. Responsible for correct funding of loan proceeds, including distribution to proper general ledger accounts as required with the purchase of GAP and/or warranty coverages, overnight processing fees, or other fees as applicable.
• Implements the recording of collateral by ensuring all checks have proper endorsement stamps and accompanying member documentation (copy of purchase order, payoff letter, overnight delivery receipt, etc).
• Insures loan files are complete and accurate and contain proper signatures, dates, and supporting loan documents.
• Maintains proficiency in USSFCU's lending platform and serves as liaison to I.T. Department for any System issues that may impede efficient and accurate member service. Must have the ability to understand and maintain secured document delivery via use of DocuSign and the on-line Message Center.
• Actively listens and offers referrals for products and services based on member needs. Ability to work independently. Meets or exceeds performance, sales, and service goals established by management. Is results driven, possesses a high sense of urgency, and is self-motivated to succeed. Able to multi-task and effectively prioritize a high-volume workload, which requires good organizational skills.
• Responds to member inquiries regarding credit union loan services and/or account discrepancies. Prioritizes first-call resolution to member concerns. Assists other departments as necessary and works closely with other departments to ascertain necessary corrections for errors. Clears audit exceptions in a timely manner. Performs account file maintenance as necessary.
• Interacts in a positive manner with all team members to promote unity, communication, and consistency of operations to help the department and the organization as a whole. Takes initiative and actively contributes to helping the team meet and exceed lending and organizational goals.
• Actively engages and participates in training, coaching sessions, team meetings, group discussions and motivational/promotional activities with the organization. Completes assigned training initiatives as required within the prescribed timeframe. Strives to improve own personal performance. Takes responsibility and ownership of actions and decisions.
• Insures Credit Union's compliance with Federal Lending Regulations including but not limited to the Equal Credit Opportunity Act, Fair Credit Reporting Act, Truth in Lending, Military Lending Act, Telephone Consumer Protection Act, Graham-Leach-Bliley Act, and Consumer Financial Protection Bureau rules.
• Complies with all applicable Rules, Regulations and Statutes of the NCUA and other appropriate governing bodies to include but not limited to: The Credit Union Bylaws, Bank Secrecy Act, Office of Foreign Assets Control, Fair Lending Act, and Fair Credit Billing Act.
• Complies with all Credit Union policy and procedural guidelines, including but not limited to Member Identification Policy, Bank Secrecy Act, USSFCU Red Flag Policy, USSFCU Loan Policy, and USSFCU Consumer Lending Guidelines and Procedures.
• Performs other duties as assigned.

Education/Experience: High school diploma/equivalent required, Bachelor's degree preferred. Minimum of 2 years lending experience required.

Skills: Requires an in-depth knowledge of USSFCU Membership Products, Services, Guidelines, Policies, and Procedures. Requires advanced understanding of USSFCU Consumer Loan Products, Loan Policy, Loan Procedures, Guidelines, and Underwriting criteria. Basic math skills and problem-solving skills required. Ability to cross-sell products and services; ability to read and interpret consumer credit reports. Requires attention to detail; proofreading skills; flexibility. Advanced knowledge of core banking systems; advanced knowledge of document and data storage systems, including importing and editing skills; basic knowledge of Microsoft Office suite. Capable of working independently in a high-volume, fast-paced environment, while maintaining a high level of accuracy. Experience with core banking systems preferred. Ability to troubleshoot member issues with credit union products/services, including third party products such as GAP, Vehicle Service Contracts and Debt Shield.

Communication: Demonstrated ability to develop and maintain positive relationships with members, teammates, and other credit union departments. Advanced interviewing and interpersonal skills required. Excellent written and oral communication skills required. Requires ability to listen to member needs and recommend appropriate products and services. Deals effectively with members and all levels of staff.

Location: This position is located in the Contact Center or Headquarters.

Supervisory: None Required.

Time in Service: None Required.

Equal Opportunity Employer/Veterans/Disabled

An Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status, and will not be discriminated against on the basis of disability.