LENDER I

Description

Summary: Examines, evaluates, and authorizes or recommends approval/denial of Dealer loan applications. Communicates with dealerships on a regular basis. Works closely with Dealer Finance lenders and support staff. Supports and coordinates with Collections Department and other internal bank departments.

Essential Duties: 

· Review and evaluate loan applications received from Dealers

· Analyze applicant financial information, credit reports, cash flow, collateral evaluations to determine credit worthiness 

· Ensure credit and collateral documentation is complete, accurate and in compliance with lending regulations

· Exercise discretion and sound judgement in credit decision process

· Direct communication with Dealers to approve and/or decline loan applications

· Review Dealer loan packages for completeness or missing documents

· Communicate with Dealers to correct document errors or missing documentation

· Maintain, develop, and expand on current Dealer relationships

· Service new and existing loan customers

· Monitor loan portfolio to identify trends or problems in a timely manner

· Assist Collections Officer in the collection of delinquent loans

· Prepare daily and monthly reports for management review

· Monitor Collateral Management system and take appropriate action as needed

· Process collateral releases on paid off loans

· Process and document declined and withdrawn loan applications

· Perform other duties as required

Non-Essential Duties:

•  Participates in Bank-sponsored and other community/civic events.

•  Performs other duties as assigned.

Supervisory Responsibilities: 

· This position has no supervisory responsibilities. 

Other Duties: 

This job description is not designed to be an exhaustive list of duties. Duties, responsibilities, and activities may 

change at any time with or without notice. 

Bank wide Expectations: 

· Stays current, maintains knowledge of, and complies with all F & M products and services and policies and procedures.

· Maintains organized files and a neat and orderly work area and secures all negotiable and/or confidential records.

· Protects the bank's and customers' information; knowledge of customers and their relationship with the Bank must be kept in absolute confidence.

· Displays a positive, cooperative spirit; professionalism; and a responsible attitude to staff and customers always. 

· Leads by example while being a team player. 

· Participates in Bank-sponsored and other community/civic events as schedule allows. 

· Represents F & M Bank professionally and courteously while in contact with the public either in 

person or by telephone.

· Pursues personal development opportunities to improve knowledge as it relates to position, 

compliance, and the bank in general.  

Requirements

Qualification Requirements: 

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The 

requirements listed below are representative of the knowledge, skills, and/or abilities required. 

Knowledge, Skills, and Abilities

•  Ability to communicate effectively orally and/or in writing.

•  Ability to respond to sensitive inquiries.

•  Ability to define problems, collect data, establish facts, and draw valid conclusions.

•  Ability to prioritize and meet deadlines.

•  Ability to work with limited supervision.

•  Ability to work with and maintain confidential information. 

•  Proficient organizational skills with ability to function in a flexible work environment.

•  Proficient in MS Excel and Word.

· Professionalism in dealing with customers and fellow employees.

Education and/or Experience (Required and Preferred) 

Preferred: 

· A minimum of two years’ related experience or equivalent combination of education and experience. 

Required: 

· A minimum of six months related experience or equivalent combination of education and experience. 

Certificates, Licenses, and Registrations: 

· Current driver’s license to travel to other bank branch locations and other bank-related travel.

Physical and Mental Demands: 

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 

· The employee regularly sits and uses hands to finger, handle, or feel objects, tools, or controls.

· The employee frequently is required to talk or hear. 

· The employee is occasionally required to stand, walk, reach with hands and arms, stoop, kneel, or crouch. 

· The employee must regularly lift and/or move up to 10 pounds and may occasionally lift up to 50 pounds. 

· Specific vision abilities required include close vision, color vision, peripheral vision, depth perception, and 

the ability to adjust focus. 

Work Environment: 

· Work is primarily performed in an office setting where the noise level is usually moderate. 

· This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets, 

and fax machines. 

Position Type/Hours: 

This is a exempt position working Monday – Friday, 8:30 a.m. – 5 p.m. with overtime as necessary. 

Travel: 

Occasional travel primarily within the Bank’s market areas during the business day with occasional out-of-area and overnight travel.