Bank Loan Officer
Company: Availa Bank
Location: Council Bluffs
Posted on: May 10, 2022
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Job Description:
Availa BankDescription:
Position Title: Loan OfficerDepartment: LendingReports To: Market
President Primary Assignment: Loan ProductionPosition Status:
Exempt**This position is not remote and will work in our Council
Bluffs Downtown location.** Applicants must be authorized to work
for ANY employer in the United States. We are unable to sponsor or
take over sponsorship of employment Visa at this time. EEO/AA
employer POSITION SUMMARYThis position is responsible for
generating, approving, and maintaining quality business and
agriculture loans for the bank's portfolio. .
Requirements:
PRIMARY RESPONSIBILITIES AND ACCOUNTABILITIESHelp the bank attract
new customers and deepen relationships with existing customers
through active outbound relationship building activities and focus
on expanding existing customer financial solutions through
participation in the bank's customer service and sales
effortsManages all loan applications within an acceptable customer
service and regulatory timeframeAnalyze all credit applications
utilizing sound unwriting credit analytics Manage the credit
application process to approve, deny or recommend credit action for
loan applicationsWork with customers through difficult/complicated
issues that may ariseRefer additional bank services and products
solutions meeting clients and prospective clients needs Maintain
loan quality by striving for low incidence of incomplete
documentation or regulatory violationHandle collections on
delinquent loans; monitor the quality of existing loansWill adhere
to and remain current with bank policy, procedures, lending laws
and regulations. Will maintain knowledge of products and services
offered by competitors and other vendorsMake recommendations for
new loan products and servicesMaintain a high level of customer
confidence ROLE QUALIFICATIONSEducationHigh school diploma or
equivalent required ExperienceOne to three years in the banking or
lending environment preferred but not requiredOther Skills and
AbilitiesPerform consumer lending dutiesStrong math skills; add,
subtract, multiply and divide in all units of measureWorking
knowledge of Word, Excel, and OutlookExceptional oral, written, and
interpersonal communication skills with the ability to apply common
sense to carry out instructions and instruct others, interpret
documents, understand procedures, write reports and correspondence,
speak clearly to customers and employeesExceptional organizational
and time management skills; ability to function well in a
fast-paced environmentWorking knowledge of loan policies and
proceduresAssumes a leadership role in community projects and
activitiesAccepts a leadership role within the bank and
participates in bank promotions and activitiesMust have a valid
driver's license and reliable transportationCompetenciesTo perform
the job successfully, an individual should demonstrate the
following competencies:Accountability - will follow through on what
he/she says they will do; holds others accountable in the
workplaceAnalytical - collects and researches data; uses intuition
and experience to complement data; designs workflows and procedures
as necessary. Problem Solving - identifies and resolves problems in
a timely manner; gathers and analyzes information skillfully;
ability to deal with complex problems involving multiple facets and
variables in non-standardized situations.Project Management -
coordinates projects; communicates changes and progress; completes
projects on time and budget. Technical Skills - assesses own
strengths and weaknesses; pursues training and development
opportunities; strives to continuously build knowledge and skills;
shares expertise with others.Oral Communication - speaks clearly
and persuasively in positive or negative situations; listens and
gets clarification; responds well to questions; demonstrates group
presentation skills; participates in meetings. Teamwork - balances
team and individual responsibilities; exhibits objectivity and
openness to others' views; gives and welcomes feedback; contributes
to building a positive team spirit; recognizes how his/her actions
impact others.Leadership - exhibits confidence in self and others;
inspires and motivates others to perform well.Written Communication
- writes clearly and informatively; edits work for spelling and
grammar; varies writing style to meet needs; presents numerical
data effectively; able to read and interpret written
information.Ethics - inspires the trust of others; works with
integrity and ethically; upholds organizational values.
Organizational Support - follows policies and procedures.
Adaptability - adapts to changes in the work environment; changes
approach or method to best fit the situation.Attendance/Punctuality
-is consistently at work and on time; ensures work responsibilities
are covered when absent; arrives at meetings and appointments on
time. Dependability - responds to management direction; accepts
responsibility for own actions; completes tasks on time or notifies
appropriate person with an alternate plan.Judgment - exhibits sound
and accurate judgment; supports and explains reasoning for
decisions; includes appropriate people in decision-making
process.Planning/Organizing - prioritizes and plans work
activities; uses time efficiently; sets goals and
objectives.Professionalism - approaches others in a tactful manner;
reacts well under pressure; treats others with respect and
consideration regardless of their status or position; follows
through on commitments. Quality - demonstrates accuracy and
thoroughness; looks for ways to improve and promote quality;
applies feedback to improve performance; monitors own work to
ensure quality.Initiative - is a self-starter; seeks out new tasks
and expands abilities; works for the better needs of the business,
not just his/her own position.Growth and Customer Focus - provides
excellent customer service to everyone; supports business and
revenue growth; focuses on opportunities to suggest new services to
customers. WORKING CONDITIONSWork performed is largely within the
Bank, the community or directly with customers with limited chance
for personal injury.The following physical and mental requirements
must be met to perform the essential functions of this position:
Frequently communicate with employees and other parties by phone,
email and/or in person; can exchange accurate information in these
situations. Constantly operates a computer and other office
equipment such as a calculator, copy machine, and printer.
Frequently move inside the office to access files or office
equipment. Occasionally lift and/or move up to 50 pounds of office
supplies and equipment. Some bending, turning, and twisting
required. Required to sit for prolonged periods of time and reach
with hands and arms. Specific vision abilities required by this job
include close vision, distance vision, peripheral vision, depth
perception and ability to adjust focus. Periodic stressful
situations in response to multiple priorities within established
deadlines. Work hours are generally during normal business hours.
Unscheduled evening and weekend work may be needed to meet the
needs of customers and employees. Drive to/from and work in
multiple branches/locations as needed. **This position is not
remote and will work in our Council Bluffs Downtown location.**
GENERAL NOTICEThis position description describes the general
nature and level of work performed by the employee assigned to this
position and should not be interpreted as all inclusive. It does
not state or imply that these are the only duties and
responsibilities assigned to the position. The employee may be
required to perform other job-related duties. All requirements are
subject to change and to possible modification to reasonably
accommodate individuals with a disability. This position
description does not constitute an employment agreement between the
Bank and employee and is subject to change by the employer as the
needs of the Bank and requirements of the position
change.PM21PI175133510
Keywords: Availa Bank, Council Bluffs , Bank Loan Officer, Other , Council Bluffs, Iowa
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