Retail Lending Associate

Department:

Retail Banking

Reports To:

Retail Lending Manager

Location:

Hancock

Supervises:

None

Summary:

The primary focus of the Retail Lending Associate will be to provide superior customer service to retail customers through the mortgage and consumer lending process.

Benefits include:

Incentive Bonus Potential:

eligibility for an annual incentive bonus based upon bank and personal performance.

Benefits:

medical, dental, vision, (with opt-out stipend if you have alternate coverage), life, and disability, 401(k) plan, voluntary Life/AD&D which can be extended to family.

Paid Time Off and Holidays:

We offer a generous PTO package with a rollover up to 40 hours into the new year. Superior National Bank also recognizes 11 bank holidays per year.

Work Environment:

Most importantly, we offer a work environment that highlights our core values of: Customer First, Caring About People, Innovative Thinking, Teamwork, and Integrity. We are an organization that lives and breathes its values, creating great opportunities for employees that emulate the values that we hold most dear.

MAJOR DUTIES AND RESPONSIBILITIES:

• Provide superior customer service to all mortgage and consumer loan customers, working with them to collect necessary documentation to satisfy underwriting requirements
• Coordinate mortgage loan closings with customers, real estate agents, and title companies.
• Communicate proactively with borrowers and real estate agents to keep them informed of the progress of their loan
• Work with customers and lenders throughout the home equity loan process. The RLA will review loan files, provide all required loan documents from disclosures to closing and order any third-party services required to close the loan
• Work with lenders, customers and title companies to prepare closing packages for construction loans
• Work with customers, lenders and loan servicing as needed to assist in processing of construction draws
• Fund and review consumer loans for accuracy, including boarding and processing of indirect consumer loans
• Prepare and deliver any required loan documentation after loan closing if changes are required by the bank or requested by the customer and approved by the lender
• Understand all Bank offered retail products and services and explain options to customers in order to assist them in meeting their needs
• Handle customer complaints and issues and take appropriate action to resolve them, escalating the more complex issues to the Branch Manager or other contact within the Bank as appropriate
• All other duties as assigned

EDUCATION, EXPERIENCE, KNOWLEDGE, SKILLS, and ABILITIES:

Required:

• High school diploma or equivalent
• Strong customer service background
• Strong verbal and written communication skills; as well as strong listening skills
• Ability to establish and maintain relationships with potential and existing customers
• Ability to work under general supervision, manage multiple priorities, and meet deadlines
• Experience dealing with money
• Strong computer and technical skills
• Strong attention to detail
• Strong analytical, critical thinking, problem solving skills
• Ability to understand and comply with bank policies and regulations, including BSA/AML policies, CIP requirements, Community Reinvestment Act, Bank Security, and others

Desired:

• Associates or Bachelor’s degree in business, finance, accounting or related field, or an equivalent combination of education and experience
• Previous experience in a bank and/or lending environment
• Knowledge of Bank retail products and services
• Sales experience

PHYSICAL & MENTAL DEMANDS:

• Stand, walk, sit, stoop, reach with hands or arms, occasionally move up to 25 pounds, and use hands to finger, handle, or feel objects, tools, or controls
• Talk, hear, write, read, type, understand technical manuals, manipulate numbers, and communicate effectively in person, on the phone, and via letter/e-mail
• Effectively organize, prioritize, and complete work assignments, and deal with frequent and/or multiple interruptions
• Learn duties/tasks in a reasonable amount of time
• Perceive clearly at both close and long range, and possess adequate peripheral vision, depth perception, color distinction, and focusing ability

LAST UPDATED: 10.5.22

EEOC Statement:

The qualifications and specifications mentioned above are intended to indicate the kinds of tasks and levels of work difficulty that will be required of positions that will be given this title and shall not be construed as declaring what the specific duties and responsibilities of any particular position shall be. Nothing in this job description limits or in any way modifies the right of any supervisor/manager/director to assign, direct, or control the work of employees under his/her supervision. The use of a particular expression or illustration describing duties shall not be held to exclude other duties not mentioned that are mutually inclusive or of similar kind or level of difficulty. The position will be filled based on qualifications regardless of age, sex, race, religion, color, national origin, disability, marital status, height, weight, or other legally protected status. This job description should in no way be construed as a contract of or for employment. Superior National Bank is an equal opportunity employer.

Job Type: Full-time

Pay: $15.00 - $23.00 per hour

Benefits:

• 401(k)
• Dental insurance
• Employee discount
• Health insurance
• Paid time off
• Vision insurance

Shift:

• Day shift

Weekly day range:

• Monday to Friday

Ability to commute/relocate:

• Hancock, MI 49930: Reliably commute or planning to relocate before starting work (Required)

Application Question(s):

• Willing to undergo a background and credit check in accordance with local laws/regulations.

Work Location: Hybrid remote in Hancock, MI 49930