Lender

About Working at Town & Country Bank:

What sets Town & Country Bank apart from other financial institutions is our community-focused outreach, dedicated associates, and comprehensive range of products and services. Here your talents will flourish, and contributions count! Loan Officer Position Summary: An officer of 3 or more years experience who is capable of handling consumer, residential, home equity, business real estate properties and basic farm/ag lending and has exposure with government programs; but the most complex loans; may work under the direction of a Senior Lender. Oversees the operation of a branch office with direct emphasis on the lending service activities and staffing. Exercises executive and administrative control over the functions of the office. Responsible for public relations and customer service. Overall planning and execution of business development, customer service and public relations of the financial institution. This is a licensed Loan Originator position. Principal accountabilities Business Development
• Makes retention and business development calls on existing and potential new clients
• Expands existing customer relationships by cross selling additional bank products and services
• Represent the financial institution in various civic and community functions to enhance its image and develop new business Lending & Underwriting (self and staff)
• Has credit authority according to loan policy guidelines
• Obtains required financial information from prospects and customers and completes each loan application and all pre-processing functions in a timely manner
• Screens loan request based on financial institution policies and on types of loans offered by the institution and ensures that all consumer loans follow regulatory guidelines
• Analyzes the credit history of applicants and recommends and outlines terms of loan and informs prospective borrowers of loan commitments according to policy guidelines
• Prepares credit memoranda and notifies applicant of loan decision
• Makes and presents appropriate recommendations to area
• Orders appraisals, credit reports, title opinions and other information as needed
• Follows up and coordinates with loan processor to ensure all necessary credit information required by bank policy and regulatory guidelines are obtained for a complete file
• Keeps abreast of market trends
• Follows current loans to ensure a current and complete credit file Cross Selling
• Expands existing customer relationships by cross selling additional bank products and services
• Actively participates in the financial organizations sales campaigns
• Knows financial institutions products and services
• Targets 100% loans booked ensuring a demand deposit account has been established Collections
• Reviews delinquent loan status for the financial institution, contacting those delinquent account holders through telephone calls, letters and personal visits
• Participates in the financial institution development of collection policies and procedures for foreclosure, credit for payment of delinquent accounts and other default procedures Customer Service
• Ensuring branch staff provides the highest degree of customer service
• Resolves issues and problems to maintain positive client relationships
• Provides and maintains a professional, business-like atmosphere within the branch office
• Understands and explains banking products and services to potentially new or current customers Managing Role
• Manages the branch office operation and profitability
• Promotes and enhances the corporate culture and fosters the development and implementation of organizational vision, policies and guidelines
• Builds constructive and effective relationships to support a collaborative working environment
• Develops lending staff
• Manages branch loan technical exceptions ensuring exceptions are obtained in a timely manner
• Communications with staff via email or meetings regarding information items
• Oversees the proper loan risk rating for the branch
• Collaborates with Retail Manager to provide personnel management for branch staff
• Reviews staff members for formal performance evaluations and recommends salary adjustments
• Counsels employees when needed
• Coordinates staff training with Retail Manager when needed
• Establishes and helps to attain internal performance objectives for branch office business volume, deposits, loan portfolios and quality of audit reports Other Duties
• Maintains office building, grounds, equipment and fixtures
• Assists with other duties as assigned and directed by senior management
• Maintains and stays abreast of security policies and procedures
• Is responsible for all applicable laws and regulations to include the Bank Secrecy Act
• Is knowledgeable about and follows Banks policies and procedures
• Completes all internal training assignments in a timely manner
• Performs all duties in conformance with all Bank policy, procedures and applicable laws and regulations Knowledge and Skills Required
• Good aptitude for figures and detail
• Complete knowledge of financial institution and regulatory lending policies and procedures
• Good cross selling, management and organizational skills
• Good oral and written communication skills in order to effectively communicate with customers Education/Training/Experience
• Bachelor’s degree or equivalent work experience
• 3+ years of experience in a financial institution Job Type: Full-time