Retail Loan Officer

Job ID:

15065484

Job Location:

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Job Title:

Retail Loan Officer

Work Type:

Work Days:

Work Vary:

No ,

Shift:

First (Day),

Hours Per Week:

40,

Work Type:

Regular Salary Offered:

Unspecified

Benefits:

Unspecified.

Physical Required:

Unspecified

Drug Testing Required:

Unspecified

Education Required:

Experience Required:

Unspecified Required Skills:

See Job Description section for any required skills.

Job Description:

### Job Duties

POSITION SUMMARY

This position serves primarily external customers; however, responsibilities also include serving internal customers whenever the opportunity presents itself. This position does not involve direct day to day supervision of employees. Confidentiality of customer information cannot be overstated. It is expected that all customer information be kept in the strictest confidence. We must do whatever it takes to ensure that our relationships with the public are not jeopardized. Loan officer jobs are sales positions; therefore, the successful loan officer is one who is very comfortable and proficient with all aspects of the sales process. A loan officer should be adept at attracting and retaining customers, consistent in following up with potential borrowers, asking for the sale, overcoming objections and closing the deal. The mortgage process can be extremely complicated and the best mortgage professionals are ones who are detail-oriented, thorough, accurate, and comfortable with mathematics. Lastly, loan officer jobs require a dedication to honest, ethical behavior, a desire to provide the best possible customer service and the commitment to provide a loan that best fits a customer's needs and desires.

SKILLS & ABILITIES

• Ability to successfully perform all aspects of the sales process
• Possess excellent customer service skills
• Ability to deal effectively and tactfully with internal and external customers
• Strong verbal and written communications skills
• Above average financial aptitude and math skills
• Ability to prioritize and manage workflow in a fast-paced work environment
• Perform under pressure and consistently meet deadlines
• Ability to make confident and sound decisions
• Familiarity with Windows-based applications and Microsoft Office products

DUTIES & RESPONSIBILTIES

• Attract and retain customers through various channels to generate new loan business
• Frequently contact business partners (realtors) with the goal of strengthening working relationships
• Assess and approve/decline debit card limit increases when needed
• Interview applicants and determine the credit worthiness of the borrower by collecting and analyzing financial documents
• Establish and negotiate with the customer regarding the terms under which credit will be extended, including costs, terms, rate, and collateral requirements
• Approve in-house portfolio loans following real estate guidelines up to personal lending limit
• Retain a proficient knowledge in general real estate guidelines and secondary market guidelines
• Originate and process consumer loans for customers and be familiar with consumer guidelines
• Maintain membership in organizations within the community to sustain good public relations, increase the bank's visibility, and enhance new business opportunities
• Achieve production, fee income, and charge-off goals that meet or exceed the goals set forth by supervisor
• Attend required staff meetings
• Follow security procedures
• Support a diverse and inclusive culture
• Abide by all policies, procedures, and expectations set forth in the Employee Manual or requested by management First National Bank Bemidji is an Equal Employment Opportunity ("EEO") and Affirmative Action ("AA") employer of women, minorities, individuals with disabilities and veterans.

### Minimum Education Required High school diploma or equivalent; Bachelor's degree in finance or related field is preferred ### Minimum Experience Required 3-5 years prior lending experience required ### Shift First (Day) ### Number of Openings 1 ### Public Transportation Accessible Yes ### Veterans Encouraged to Apply Yes ### Physical Required No ### Drug Test Required No ### Compensation $25.00

• $40.

00 / Hourly ### Additional Compensation Profit sharing ### Postal Code 56601 ### Place of Work On-site ### Requisition

ID 11849

### Job Type Full Time ### Job Benefits

• Health and Dental Insurance (partially employer paid) o HSA (employer contributions)
• Vision Insurance
• Medical & Dependent Care FSA
• Employer paid Life & Long-Term Disability Insurance
• Optional Life Insurance
• AFLAC
• Employee Stock Ownership ("ESOP")
• Profit Sharing
• Paid Parental Leave
• Paid Time-Off ("PTO")
• Paid Holidays
• Employee Assistance Program ("EAP")
• Clothing Reimbursements
• Membership Reimbursements for Officers and Supervisors
• Additional in-house products ### Application Link https://www.

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