Indirect Lender
On-siteLubbock, Texas, United States
Job Summary
Solicit potential customers and invest the Bank's funds in acceptable loans while servicing the current loan portfolio and customer relationships. Underwrite Indirect loan applications from auto dealerships, interview applicants to analyze creditworthiness, and establish loan terms including costs, repayment methods, and collateral requirements. Collect on past due accounts, visit customer businesses for facility inspections, and advise clients on business management or financial affairs. Assist with documentation preparation to expedite funding and develop materials for the Loan Committee. Maintain active interest in local and national affairs impacting lending activities.
Required Qualifications
- Give attention to detail
- provide excellent communication skills
- Interview loan applicants to obtain and analyze financial and other relevant information in order to determine the creditworthiness of each applicant and the merit of the individual request
- Establish and negotiate terms under which credit will extended, including costs, repayment methods and collateral requirements
- Collect and analyze interim information on outstanding loans under servicing responsibility
- Visit customer businesses for inspection of plant facilities
- Advise customers, when appropriate, on business management or financial affairs
- Serve as contact for customers of non-loan related services
- Develop customer base through an active solicitation of prospective and existing clients with an emphasis on selling bank products
- Approve loans utilizing individual lending authority as provided in loan policy
- Develop material for and make recommendations to Loan Committee on requests above individual authority requiring Committee approval
- Counsel with and assist in the training and development of other loan officers as requested
- Provide input to officers on loan requests as to credit quality, structure and pricing
- Maintain active interest in local and national affairs which could have an impact on lending activities
- Maintain involvement in civic and community activities, representing the Bank in a favorable manner
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