Are you an energetic team player who enjoys providing excellent customer service? If so, apply today to join our team of experienced Consumer Lenders.
Summary: Examines, evaluates, and authorizes or recommends approval of customer applications for consumer loans by performing the following duties.
Essential Duties and Responsibilities include the following. Other nonessential duties may be assigned.
Interviews applicant to determine consumer loan requirement and gather pertinent information for loan application.
Requests applicant credit reports, background checks, reference checks, and other information pertinent to loan applicant's evaluation.
Analyzes applicant financial status, credit, and asset evaluation to determine feasibility of granting loan.
Resolves uncertainties relating to customer application information through inquiries with applicant or creditors.
Approves loan within specified limits or refers loan to loan committee for approval.
Compiles loan package and facilitates negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.
Ensures loan agreements are complete and accurate according to establishment policy.
Assures timely loan closing and funding activities.
Identifies and analyzes potential loan markets to develop prospects for consumer loans.
Advises department head of external factors that may affect establishment lending policies, such as new or revised legislation and regulations. Recommends and implements appropriate changes to establishment policies, procedures, and pricing structures.
Works with loan collection officer on delinquent account solutions in their portfolio.
Promotes and cross-sells other establishment products and services as appropriate to customer requirements.
Provides loan data to support marketing and sales promotion programs.
Fifth year college or university program certificate; or two to four years related experience and/or training; or equivalent combination of education and experience.
Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of organization.
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.
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.
Word processing, Spreadsheets, Accounting software, Internet software, E-mail, Database software
The work environment characteristics described here are representative of those an employee encounters while performing 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 occasionally exposed to fumes or airborne particles; risk of electrical shock and risk of radiation.
The noise level in the environment is moderate.
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 regularly required to use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is frequently required to sit. The employee is occasionally required to stand; walk and stoop, kneel, crouch, or crawl. The employee is frequently required to lift up to 50 pounds. The vision requirements include: close vision, distance vision, peripheral vision, depth perception and ability to adjust focus.
First Bank & Trust, IL is a community bank working every day to support the individuals, families, and business owners in Champaign, Edgar, and Clark counties. The principal operating subsidiary of First BancTrust Corporation, First Bank offers a wide range of banking, lending, and financial services through our offices in Champaign, Marshall, Martinsville, Paris, Rantoul, and Savoy, IL. We operate every day to achieve our mission of excellence that our customers have come to expect from us.