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PURPOSE OF THE JOB
The purpose of this position is to review and decision consumer credit applications in accordance with fair lending guidelines.
MAIN DUTIES OF THE JOB
- Reviews and decisions credit applications submitted to underwriting.
- Analyzes applicants’ financial status, credit and potential collateral to determine feasibility of granting loan.
- Communicates with Loan Officers to clarify requests and resolve questions regarding applications.
- Provides guidance to lending officers regarding rate, terms and structure of credits.
- Approves Loans within specified guidelines and limits or refers loan to appropriate supervisor or Loan Committee.
- Makes recommendations for Loan Provisions regarding applications reviewed.
- Orders appraisals and engages attorneys for necessary loan transactions.
- Maintains current knowledge of compliance issues to ensure that all loans processed adhere to state and federal regulations
- Works as a backup in other areas in the Credit Department.
- Provides reporting to management regarding credit approvals, denials, etc. Â Â Â Â Â Â Â
- Assist in keeping all lenders aware of changes in loan related fees and other relevant informationÂ
- Prepare accurate loan closing documentation for all consumer loan types, including CD/Savings Secured loans, Auto Loans, Unsecured Loans, Construction Loans, Mobile Home Loans and all types of Real Estate Secured LoansÂ
- Obtain fees from attorneys in a timely manner to prepare and mail Loan Disclosures
- Order title work from title companies, Clerk of Court and/or attorneys, review title work and recommend any needed corrective documentation to ensure Home Bank will have a valid lien position.Â
- Order Flood Determinations and accurately prepare flood notices if property is in a defined flood hazard areaÂ
- Accepts other responsibilities as assigned.
 WHAT WILL YOU NEED TO SUCCEED
- Bachelor’s Degree in Finance or business-related field or equivalent experience
- Greater than five years’ experience in a consumer lending environment preferred Â
- Proficiency with Microsoft Office (Excel and Word) is preferred
- Laser Pro System knowledge preferred
- Strong knowledge of lending documentation, internal loan processes and governmental regulations and requirements.
- Demonstrated knowledge of consumer lending processes including consumer loan documentation.
- Exceptional verbal, written and interpersonal communication skills
- Excellent organizational and time management skills with the ability to work under pressure and adapt to change and meet deadlines.
- Excellent analytical and problem-solving skills including ability to diagnose, resolve or escalate a critical situation.
- Demonstrate your ability to effectively manage relationships with internal and external customers.
- Demonstrate your ability to analyze financial data and account information quickly and thoroughly.
- Self-directed/motivated with ability to work independently with little or no supervision.
HOME BANK IS AN EQUAL OPPORTUNITY EMPLOYMENTÂ
GOOD CREDIT IS A MUSTÂ
CREDIT REPORT IS REQUIRED FOR EMPLOYMENTÂ
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