Summary Examines, evaluates, and authorizes or recommends approval of customer applications for consumer loans by performing the following duties.

Essential Duties and Responsibilities include the following. Other duties may be assigned. Interviews applicant to determine loan requirement and gather pertinent information for loan application. Requests applicant credit reports, background   checks,  reference checks,  and other information pertinent to loan applicant's evaluation.

Analyzes applicant financial status, credit, and asset evaluation to determine feasibility of granting loan or submits application to credit analyst for verification and recommendation . Resolves uncertainties relating to customer application information through inquiries with applicant or creditors. Approves loan within specified limits or refers loan  to   loan committee for approval.

Compiles loan package and facilitates negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.

Ensures loan agreements are complete and accurate according to bank policy . Assures timely loan closing and funding activities.

Identifies and analyzes potential loan markets to develop prospects for consumer loans. Promotes and cross-sells other establishment products and services as appropriate to customer requirements.

Complies with all applicable banking regulations, including Bank Secrecy Act. Follows Red River Bank policies and procedures. Attends or completes all required training.

Competencies

To perform the job successfully, an individual  should   demonstrate the following competencies : Demonstrates attention to detail.Identifies and resolves problems in a timely manner;

Gathers and analyzes information skillfully; Develops alternative solutions.

Manages difficult or emotional customer situations; Responds promptly to customer needs . Maintains confidentiality. Displays willingness to make decisions;

Exhibits sound and accurate judgment. Uses time efficiently. Reacts well under pressure.

Qualifications 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, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience

Bachelor's degree (B. A.) from four-year college or university; and one to two years related experience and/or training; or minimum of five years lending experience in lieu of college degree.

Computer Skills

To perform this job successfully, an individual should have knowledge of Spreadsheet and Word Processing software.

Physical 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.

While performing the duties of this Job, the employee is regularly required to sit and talk or hear. The employee is occasionally required to stand; walk; use hands to finger, handle,  or feel and reach with hands and arms. The employee must occasionally lift and/or move up to  10 pounds. Specific vision abilities required by this job include close vision.

Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

   The noise level in the work environment is usually moderate.