United Spinal Association Jobs

This job was posted by https://www.arjoblink.arkansas.gov : For more information, please see: https://www.arjoblink.arkansas.gov/jobs/4241070

Depending on staffing and the size of the community market, the Community Bank Lender is responsible for the effective generation, evaluation, approval processing, closing, and servicing primarily commercial loans (at least 50% of time), with strong understanding of consumer loans, mortgage loans and agricultural loans. Incumbents will serve a variety of customers such as individuals, large and small businesses and sole proprietors. Incumbents utilize the banks available assets to maximize the generation of revenue, profits, deposits, and plus other cross-selling opportunities. Detailed knowledge of the many products offered is critical to allow proper evaluation of all loan prospects. In addition, incumbents are to protect the bank by providing continual supervision of all assigned loans. Lending authority for Community Bank Lender will not exceed \$50,000 without written approval from the local board of directors.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

1. Generate new loans according to Loan Policy guidelines.
2. Gather all necessary information, make available all relevant information, and decide with the customer the appropriate product that fits their needs in the various business lines.
3. Monitor the quality and performance of loans serviced.
4. Provide the appropriate care to maintain the confidentiality of our customers information.
5. Review and analyze customers financial documentation to determine viability of future business success.
6. Advise the customer of the advantages and disadvantages of the various loan products available as well as the requirements necessary to qualify for various loans.
7. Maintain contact with customers to ensure compliance with loan terms and/or determine if any other financial assistance or advice is required.
8. Work within underwriting authority and exercise appropriate discretion daily to analyze loan prospects.
9. Approve or deny loans within assigned lending authority. If request exceeds authority, deny or recommend approval to appropriate committee/individual.
10. Actively participant in civic and public relations activities that provides new business for the bank and further development of relationships with existing customers.
11. Offer Credit Life and A&H coverage to all applicable loan applicants
12. Offer auto debit option to applicable applicants.
13. Generate other fee income.
14. Understand and comply with bank policy, laws, regulations, and the bank\'s BSA/AML Program, as applicable to your job duties. This includes but is not limited to; complete compliance training and adhere to internal procedures and controls; report any known violations of compliance policy, laws, or regulations and report any suspicious customer and/or account activity.

TEAM ACCOUNTABILITIES:

• Cross-sell other services of the bank.
• Support and uphold the Arvest Mission Statement.
• Uphold the Arvest Code of Ethics and ensure that confidential information is safeguarded.
• Maintain a high level of cooperation and rapport with all associates
• Formulate and communicate new ideas and suggestions that will improve profitability and efficiency for the bank\'s overall operation.
• Promote professionalism at all times.

SUPERVISORY RESPONSIBILITIES:

May directly supervise one or more Loan Assistants. Carries out supervisory responsibilities in accordance with the organization\'s policies and applicable laws. Ensure direct reports have completed required compliance training and are adhering to all internal procedures and controls as it relates to bank policy, laws, regulations and Arvests BSA/AML Program. Responsibilit es include interviewing, hiring, appraising performance, rewarding, and disciplining associates. The incumbent has the authority and the appropriate influence to make recommendations regarding hiring, firing, advancement, promotion, or any other change of status of other associates within the guidelines of the banks procedures and guidelines for such change of status events. The incumbent provides training, planning, assigning, and directing work assignments and schedules; addressing complaints and resolving problems.