Loan Assistant

5 months ago

Saranac Lake, United States North Country Savings Bank Full time

Job Type

Full-time

Description

POSITION SUMMARY:

The individual in this position will provide a wide range of retail lending services such as assisting the Regional Loan Manager with mortgage loans in process, originating mortgage and consumer loans, as well as assisting customers with queries concerning our lending services. This position has high customer contact and the individual is expected to be visible within the community, promoting financial products and services to new and existing customers.

Essential Functions:

  • Take a sales-oriented approach to customer service
  • Effectively and efficiently provide lending assistance at the financial institution, including, but not limited to, originating new mortgage loans and assisting with mortgage loans in process, originating consumer loans and explaining loan products and services in general.
  • Solicit mortgage loans upon request or absence of Regional Loan Manager
  • Interview loan applicants and educate prospective loan clients of the financial institutions underwriting guidelines and applicable government regulations
  • Order credit reports and complete loan applications along with all pre-processing paperwork in a timely fashion
  • Answer incoming phone calls, provide information and answer questions related to available loan products
  • Demonstrate a high degree of comfort with explaining loan decisions to applicants
  • Schedule appointments to meet with customers and prospective customers
  • Effectively cross sell our products and services
  • Participate regularly with community organizations and related projects
  • Display a consistent effort to build and maintain strong internal relationships
  • Completion of all mandatory training

Performance Factors
  1. Attendance and Dependability: The employee can be depended upon to report to work at the scheduled time and strives to keep absences minimal. The employee can be depended upon to complete work in a timely, accurate, and thorough manner and is conscientious about assignments.
  2. Communication and Contact: The employee communicates effectively both verbally and in writing with superiors, colleagues, and individuals inside and outside the bank.
  3. Relationships with Others: The employee works effectively and relates well with others including supervisors, colleagues, and individuals inside and outside the Bank. The employee exhibits a professional manner in dealing with others and strives to maintain constructive working relationships.


Requirements

POSITION QUALIFICATIONS:

The foundation of this position is to effectively serve the internal and external customers of the bank, the public and the community. This position requires strong customer service skills and aptitude along with the desire to serve our customer needs in an outstanding fashion. Basic knowledge of all lending products and services offered by the bank and the willingness to learn about our products is essential.

EDUCATION, EXPERIENCE, and SKILLS:

Education:

Bachelor's degree preferred, but not required

Experience:

A minimum of two years' experience in a financial institution or retail services setting

Skills:

Basic understanding and knowledge of bank loan products and services

A desire to develop and utilize cross-selling, management and organizational skills

AMERICANS WITH DISABILITIES SPECIFICATIONS

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.

While performing the duties of this job, the employee is required to sit for extended periods of time; walk; use hands to finger, handle, or feel objects, tools or controls; reach with hands and arms; climb stairs; balance; stoop; kneel; crouch; talk or hear. The employee may occasionally be required to lift and/or move up to 25 pounds.

Work Environment

Work environment characteristics 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. While performing the duties of this job, the employee is not exposed to weather conditions. The noise level in the work environment is usually moderate.

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