Consumer Lender, AVP

We are seeking a skilled Consumer Lender to join our Lending Team at NBKC Bank in Kansas City, Missouri. As a Consumer Lender, you will be responsible for developing and maintaining relationships, managing the consumer loan process, and working cross-functionally with peers and leaders to obtain loan approval.

• Manage the underwriting and processing of new consumer loans.
• Examine, evaluate, recommend, or authorize approval of customer applications for consumer loans.
• Request applicant credit reports, background checks, reference checks, and other pertinent information for loan applications.
• Manage loan portfolios from a small to complex nature, analyzing financial and related data to determine the current creditworthiness of loan relationships.
• Establish and negotiate terms under which credit will be extended, including the costs, repayment method, and schedule of collateral requirements and documentation.
• Prepare reports and analysis of credit situations and provide recommendations to the Chief Lending Officer or Senior Credit Officer for loans that need restructuring.
• Identify, monitor, and manage risk profile of assigned lending portfolio.
• Monitor market conditions and competitor rates.
• Draft and propose changes to credit policy to executive leadership for approval.
• Develop business by contacting prospects and/or current customers and to maintain and enhance existing portfolio.
• Regularly visit branch(es) to prospect and close loans.
• Follow all applicable laws and regulations.

• Bachelor's Degree in business, accounting, or related field preferred (High school diploma or GED required).
• Strong communication and follow-up skills alongside the ability to complete what you commit to.
• Qualified candidates must have 5-7 years of consumer credit, financial analysis, or consumer lending including credit risk management experience preferred.
• Advanced knowledge of related state and federal lending and compliance regulations, and other Bank lending policies preferred.
• Advanced accounting and business financial knowledge with the ability to analyze repayment ability, cash flow, and commercial financial statement and tax return analysis preferred.
• Excellent computer skills, including proficiency with Microsoft Office products and other proprietary bank systems.

• Experience working with Encompass, nCino, and/or Finastra Phoenix.
• Strong business communication skills and executive presence.
• Advanced financial analytical skills with sound judgment and decision-making abilities.
• Solid multi-tasking and project management skills.