Consumer Loan Officer

BCBank, Inc.

Job Title: Consumer Loan Officer

Position Type: Full Time

Job Description: Increasing the bank asset position through recruitment and retention of loan clients for the bank

Job Purpose: Increases loan portfolio by developing and servicing consumer loans including auto, residential mortgage loans, and secured and unsecured personal loans; attracting consumer loan customers; completing loan processing and closing.

Duties:

• Interview loan applicants to determine financing needs and to offer the appropriate loan products and repayment arrangement
• Verify loan documents including income credit appraisal and title insurance ultimately preparing application for submittal to underwriting
• Approve or deny loans based on authority following guidelines, policies, and procedures; estimating creditworthiness; calculating repayment risk
• Provide customers with overview of other financial products and services to support growth of deposit base
• Accomplishes consumer loan objectives by adhering to policies and procedures
• Meets consumer loan operational standards by contributing loan information to strategic plans and reviews; implementing production, productivity, quality, and customer-service standards; resolving problems
• Meets consumer loan financial standards by providing annual budget information; monitoring expenditures; identifying variances; implementing corrective actions
• Attracts new consumer loan applications by developing relationships within the community, making sales calls to prospective customers
• Completes consumer loans by monitoring collection, verification, and preparation of consumer loan documentation; scheduling and completing loan closing
• Protects bank's image by keeping loan information confidential
• Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations
• Accomplishes bank mission by completing related results as needed
• Participates in continuing education opportunities as deemed necessary by management
• This job description is not a complete statement of all duties and responsibilities comprising this position

Skills/Qualifications:

• Audit, Financial Skills, Financial Software, Customer Service, Thoroughness, Confidentiality, Analyzing

Information, Decision Making, Verbal Communication, Professionalism, Quality Focus, Ability to interact or coordinate a group meeting, Basic training in Microsoft Office or similar program

Physical Requirements:

• Sitting for long periods of time often at a computer or desk
• Verbal communication and full auditory functionality
• Some moderate lifting required
• Ability to travel to meet job duties

1

Job Type: Full-time

Benefits:

• 401(k) matching
• Dental insurance
• Health insurance
• Life insurance
• Paid time off
• Vision insurance

Physical Setting:

• Office

Schedule:

• 8 hour shift
• Monday to Friday

Ability to commute/relocate:

• Buckhannon, WV 26201: Reliably commute or planning to relocate before starting work (Preferred)

Education:

• High school or equivalent (Preferred)

Experience:

• consumer lending: 1 year (Preferred)

Work Location: One location