Essential Duties and Responsibilities include the
following. Other duties may be assigned.
Reviews, processes, closes and administers loan proposals.
Interviews applicants and requests specified information for loan applications.
Analyzes applicant financial status, credit, and property evaluation
to determine feasibility of granting loan or submits application to
credit analyst for verification and recommendation.
Corresponds with or interviews applicants or creditors to resolve
questions regarding application information.
For any in-house loan a loan approval request is made to Sr. Loan
Committee or Sr. Management depending upon loan amount.
Ensures loan agreements are complete and accurate according to policy.
Confers with underwriter to aid in resolving mortgage application problems.
Analyzes potential loan markets to develop prospects for loans.
Supervisory Responsibilities
There are no supervisory responsibilities in this job.
Competencies
To perform the job successfully, an individual should demonstrate the
following competencies:
Problem Solving - Identifies and resolves problems in a timely
manner; Gathers and analyzes information skillfully; Develops
alternative solutions; Works well in group problem solving situations;
Uses reason even when dealing with emotional topics.
Technical Skills - Assesses own strengths and weaknesses; Pursues
training and development opportunities; Strives to continuously build
knowledge and skills; Shares expertise with others.
Customer Service - Manages difficult or emotional customer
situations; Responds promptly to customer needs; Solicits customer
feedback to improve service ; Responds to requests for service and
assistance; Meets commitments.
Interpersonal Skills - Focuses on solving conflict, not blaming;
Maintains confidentiality; Listens to others without interrupting;
Keeps emotions under control; Remains open to others' ideas and tries
new things.
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.
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.
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
High school diploma or general education degree (GED); or one to
three months related experience and/or training; or equivalent
combination of education and experience. Bachelor’s degree preferred
but not required.
Language Skills
Ability to read and comprehend simple instructions, short
correspondence, and memos. Ability to write simple correspondence.
Ability to effectively present information in one-on-one and small
group situations to customers, clients, and other employees of the organization.
Mathematical Skills
Ability to add, subtract, multiply, and divide in all units of
measure, using whole numbers, common fractions, and decimals. Ability
to compute rate, ratio, and percent and to draw and interpret bar graphs.
Reasoning Ability
Ability to apply common sense understanding to carry out instructions
furnished in written, oral, or diagram form. Ability to deal with
problems involving several concrete variables in standardized situations.
Computer Skills
To perform this job successfully, an individual should have knowledge
of Spreadsheet software and Word Processing software.
Other Skills and Abilities
Must possess superior people skills and sales ability.
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.
The employee must occasionally lift and/or move up to 25 pounds.
Comments: Must have the ability to create long
lasting relationships to the benefit of the loan officer and the bank.
The position requires some travel to attend various conferences and
banking related programs. The position requires the ability to work
before and after normal business hours to attend various community
events and client meetings
The above statements are intended to describe the general nature and
level of work being performed by people assigned to this job. They are
not intended to be an exhaustive list of all responsibilities, duties,
skills, or working conditions.
ADA Disclaimer: In developing this job description care was taken to
include all competencies needed to successfully perform in this
position. However, for American with Disabilities Act (ADA) purposes,
the essential functions of the job may or may not have been described
for purposes of ADA reasonable accommodation. All reasonable
accommodation requests will be reviewed and evaluated on a
case-by-case basis.
INB is committed to Equal Employment Opportunity with respect to
recruitment, hiring, training, promotion, and other terms and
conditions of employment. It is INB's policy to afford equal
opportunity to all employees and applicants for employment without
regard to race, creed, color, sex, sexual orientation, age, marital
status, national origin, disability, religion, veteran status, or any
other basis prohibited by law. The EEO Law poster is available here:
https://www.eeoc.gov/sites/default/files/migrated_files/employers/poster_screen_reader_optimized.pdf