Retail Lending Officer

Basic Qualifications:
Bachelor's degree (B.A. or B.S.) from four-year college or university; or three to four years retail lending and customer service-related experience and/or training; or equivalent combination of education and experience.
Primary Functions:
Responsible for originating, underwriting and closing real estate loans in accordance with established lending objectives, policies and procedures; establish and maintain positive relationships with existing and potential customers, by performing the following duties. May also originate, underwrite and close secured and unsecured retail loans, as well as secured and unsecured commercial and/or agricultural loans. May manage credit card portfolio or have backup responsibilities in other areas.

Duties and Responsibilities:
•Interview applicants and request specified information for loan application; request applicant credit reports, background checks, reference checks, and other information pertinent to evaluation of loan application; analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan; and correspond with or interviews applicant or creditors to resolve questions regarding application information.

•Compile loan package and facilitate negotiation with applicant according to established standards, such as fees, loan repayment options, and other credit terms; refer loan to loan committee for approval; ensure loan agreements are complete and accurate according to policy; assures timely loan closing and funding activities.

•Take loan applications, compile required documents, and facilitate loan closings for South Central Illinois Mortgage.

•Utilize government programs when deemed necessary to meet customer's credit needs.

•Participate in the collection procedures and processes of the loan officers to assure the timely collection of all delinquent accounts and develop revised loan repayment terms or schedules as necessary.

•Assist customers with inquiries and information requests and resolve complaints relating to loan products and services offered.

•Assure delivery of exceptional customer service by adhering to the Bank's written customer service standards. Serve both external and internal customers following Bank standards in a professional, efficient, and courteous manner and, where applicable, provide effective problem resolution as required.

•Maintain a working knowledge of the Bank's products and services in order to refer customers and potential customers to branch personnel.

•Expand customer relationships by proactively reviewing customer needs and referring customers to CSRs, the Trust Department, and other personnel. Serve as a role model for team in building, maintaining and enhancing relationships with customers.

•Assure that the needs of customers are satisfied.

•Establish and maintain positive working relationships with loan businesses and other organizations to provide information regarding the lending programs and policies.

•Participate in the Bank's business development activities, represent the Bank in industry and professional associations, community organizations, local business groups, etc., and promote the Bank's favorable image.

•May serve as a member of the Loan Committee.

•May be responsible for all marketing functions such as advertising (TV, radio, newspaper), donations, CRA, and organizing bank functions.

•May manage credit card portfolio.

Work Schedule:
Full Time Position - Monday through Friday.
Varied hours and schedule depending on operational needs. Overtime and evening hours as needed.

Location:
Taylorville facility, 402 N. Webster St.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

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