Consumer Loan Officer

Job Summary

Required Qualifications

• •Three years to five years of similar or related experience, including preparatory experience.
• •A two-year college degree.
• •An equivalent combination of education and experience may be considered on a case-by-case basis.
• •Must possess current valid driver's license.
• •Position is required to register and maintain current Mortgage Loan Originator registration with the National Mortgage Licensing System (NMLS) as required by law.
• •Must be capable of regular, reliable, and timely attendance to accomplish essential job functions including in-person contact with internal and external customers.
• •Must be capable of up to 50% travel (e.g. 2 weeks or 10 days per month) by automobile (as driver and passenger), commercial airlines, rental vehicles and public transportation and be able to lodge in public facilities.
• •Travel will be necessary to conduct the duties of this job, and the employee must have the ability to drive and have proper licensing.
• •Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators.
• •Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary.
• •Must be able to work extended hours or travel off site whenever required or requested by management.
• •Must be capable of climbing / descending stairs in an emergency situation.
• •Must be able to climb, balance, stoop, kneel, crouch, crawl, push, and pull.
• •Must be able to lift or reach with hands and arms.
• •The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.

Desired Qualifications

• •Working knowledge of standard office equipment.
• •Skills in areas related to computer operation/use including working knowledge of Microsoft applications and ability to learn new systems/applications.
• •Communicate Effectively: both verbally and in writing with others in a clear, thorough, and timely manner using appropriate and effective communication tools and techniques.
• •Demonstrate soft phone skills by treating all internal and external customers in a polite and courteous manner.
• •Customer Service: We are community inspired and pride ourselves on offering exceptional service to both our internal and external customers. We expect you, as an employee, to support our values and visions of Integrity, Service and Success.
• •Teamwork: Demonstrate ability to work independently and as part of a team. Work cooperatively and effectively with others to set and achieve goals, help others, resolve problems, and make decisions that enhance organizational effectiveness.
• •Professionalism: Exhibit a professional manner in dealing with others; work to develop and maintain cooperative and positive working relationships; represent the bank in a positive manner; maintain credibility with others.
• •Ethical Behavior: Model high standard of honesty, integrity, trust, and openness. Understand and follow through with appropriate standards of conduct and moral judgment; willing to act outside the norm when needed to adhere to ethical principles. Communicate and demonstrate actions in a consistent manner. Respect others, regardless of individual capabilities, agendas, opinions or needs.
• •Confidentiality: Maintain strict confidentiality regarding any information obtained during performing job duties; adhere to Bank policies and procedures regarding confidentiality.
• •Quality Management: Adhere to guidelines, protocol, policies, and procedures and supervisory directives; improve and promote work quality; demonstrate accuracy, thoroughness, and attention to detail; strive to achieve good results.
• •Adaptability: Adapt positively to change; manage competing demands and effectively handle changes, delays and/or unexpected events with a positive attitude.
• •Planning and Organization: Prioritize, organize, and plan work; use time efficiently; and achieve results within time frames. Complete work in a timely, accurate manner and be conscientious about assignments and deadlines.
• •Judgment/Problem Solving: Display ability and willingness to make sound decisions; identify and resolve problems in a timely and positive manner; exhibit sound judgment; appropriately handles both routine and non-routine situations.
• •Individual Responsibility and Accountability: Accept responsibility for own work performance; accept responsibility for own actions and outcomes and does not blame others. Demonstrate willingness to take initiative in performing job duties, resolving issues, and making suggestions for improvement. Conduct follow-through and meets commitments and agreements in a timely manner; relied upon by others as a source of valid information.
• •Mathematical Skills: Ability to apply accounting, scheduling, and budgeting, measurement, and calculation math skills associated with lending activities for purposes of data analysis. Comfortable working with a variety of lending formulas and industry specific equations and formulas with accuracy.
• •Analytical Thinking: Develop feasible solutions based on logical and reasonable assumptions and factual observation that reflect consideration for resources, constraints, and Bank values and goals. Understand cause and effect relationships, recognize similarities and differences in situations, and apply knowledge to help make effective decisions or to come up with new ways to accomplish a task. Define a result, set, or follow a course of action to achieve it, anticipate potential obstacles, a...
• •Negotiation: Negotiate with, convince, or influence others to take a course of action to achieve a specific result. Use appropriate interpersonal styles and communication methods to gain acceptance of a idea, plan, activity, or product. Bring conflicts and disagreements into the open, when appropriate, and attempt resolution collaboratively through building consensus.
• •Networking: Build networks of useful relationships necessary to achieve positive results. Know how organizations work; cognizant of different roles and positions of power and utilize this information to influence outcomes.