PURPOSE OF THE JOB

The purpose of this position is to review and decision consumer credit applications in accordance with fair lending guidelines.

MAIN DUTIES OF THE JOB

Reviews and decisions credit applications submitted to underwriting. Analyzes applicants financial status, credit and potential collateral to determine feasibility of granting loan. Communicates with Loan Officers to clarify requests and resolve questions regarding applications. Provides guidance to lending officers regarding rate, terms and structure of credits. Approves Loans within specified guidelines and limits or refers loan to appropriate supervisor or Loan Committee. Makes recommendations for Loan Provisions regarding applications reviewed. Orders appraisals and engages attorneys for necessary loan transactions. Maintains current knowledge of compliance issues to ensure that all loans processed adhere to state and federal regulations Works as a backup in other areas in the Credit Department. Provides reporting to management regarding credit approvals, denials, etc. Assist in keeping all lenders aware of changes in loan related fees and other relevant information Prepare accurate loan closing documentation for all consumer loan types, including CD/Savings Secured loans, Auto Loans, Unsecured Loans, Construction Loans, Mobile Home Loans and all types of Real Estate Secured Loans Obtain fees from attorneys in a timely manner to prepare and mail Loan Disclosures Order title work from title companies, Clerk of Court and/or attorneys, review title work and recommend any needed corrective documentation to ensure Home Bank will have a valid lien position. Order Flood Determinations and accurately prepare flood notices if property is in a defined flood hazard area Accepts other responsibilities as assigned.

WHAT WILL YOU NEED TO SUCCEED

Bachelor s Degree in Finance or business-related field or equivalent experience Greater than five years experience in a consumer lending environment preferred Proficiency with Microsoft Office (Excel and Word) is preferred Laser Pro System knowledge preferred Strong knowledge of lending documentation, internal loan processes and governmental regulations and requirements. Demonstrated knowledge of consumer lending processes including consumer loan documentation. Exceptional verbal, written and interpersonal communication skills Excellent organizational and time management skills with the ability to work under pressure and adapt to change and meet deadlines. Excellent analytical and problem-solving skills including ability to diagnose, resolve or escalate a critical situation. Demonstrate your ability to effectively manage relationships with internal and external customers. Demonstrate your ability to analyze financial data and account information quickly and thoroughly. Self-directed/motivated with ability to work independently with little or no supervision.

HOME BANK IS AN EQUAL OPPORTUNITY EMPLOYER GOOD CREDIT IS A MUST CREDIT REPORT IS REQUIRED FOR

EMPLOYMENT