SVP, Commercial Lender

SVP, Commercial Lender Springfield, MO Job Details Full-time 1 day ago Benefits Health insurance Dental insurance 401(k) Flexible spending account Paid time off Vision insurance 401(k) matching Life insurance Qualifications MLO License Commercial banking expertise Customer communication Compliance with loan regulations Federal Housing Administration (FHA) loans Sales Credit risk assessment Customer service Bachelor's degree in finance Writing skills Regulatory compliance Promoting bank products Mid-level Bachelor's degree in business administration Finance Loan application intake Bachelor's degree Financial record maintenance Staff training Business Administration Productivity software FNMA 4 years Veterans Affairs (VA) loans Business Communication skills Technical Proficiency Promoting bank services Credit analysis

Full Job Description Summary :

Salaried, Full-Time - 40 hours a week. Essential Job Functions Demonstrate Legacy Bank and Trust core values in all you do. May assist with the training of newly hired loan officers, portfolio managers, and loan assistants. Assist potential borrowers with completion of initial loan applications. Review submitted applications for accuracy and completion, requesting additional information or details as needed. Verify information and financial history provided. Acquire borrowers' credit reports from major credit reporting bureaus. Submit applications to credit analysts or, when appropriate, examine applications and creditworthiness of potential borrowers. Determine or make recommendations regarding approval or denial/modification of requested loans. Approve, or when outside pre-approved lending limits, refer loans to management for analysis and approval. Ensure loan agreements are completed according to policy. Calculate and explain payment schedule. Explain different lending and credit options as well as different bank products to potential and current clients. Maintain credit and lending records and files. Maintain a robust referral network in the local banking community with builders, real estate agents, and other related businesses. Ensure all documents and activities are performed in compliance with applicable laws, regulations, policies, and procedures. Perform other related duties as assigned. Knowledge, Skills, Abilities, Competencies Excellent verbal and written communication skills. Excellent interpersonal customer service and sales skills. Extremely proficient with Microsoft Office Suite or related software programs. Positive attitude and highly motivated. Thorough understanding or Federal Housing Authority (FHA), Veteran's Affairs (VA), Federal National Mortgage (Fannie Mae), and other types of construction and conventional loans. NMLS License. Education and Experience Bachelor's degree in finance or business administration is preferred. Four or more years of lending experience Physical Requirements Onsite Position. Must be able to travel at all times.

Seeing:

Must be able to see well enough to see computer screen and read documents. ( 75-100% of work time spent on activity )

Hearing:

Must be able to hear well enough to communicate with customers, vendors, and employees. ( 75-100% of work time spent on activity )

Sitting:

Must be able to sit for long periods of time. ( 50-74% of work time spent on activity )

Standing/Walking:

Must be able to move about office. ( 75-100% of work time spent on activity )

Climbing/Stooping/Kneeling:

Must be able to stoop or kneel to pick up paper products or materials. ( 25-49% of work time spent on activity )

Lifting/Pulling/Pushing:

Must be able to lift up to 10 pounds. ( 0-24% of work time spent on activity )

Grasping/Feeling:

Must be able to write, type and use technical equipment. ( 75-100% of work time spent on activity ) Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. Benefits 401(k) 401(k) matching Dental insurance Flexible spending account Health insurance Life insurance Paid time off Vision insurance The statements herein are intended to describe the general nature and level of work being performed but are not to be seen as a complete list of responsibilities, duties, and skills required of personnel so classified. Also, they do not establish a contract for employment and are subject to change at the discretion of the employer. Legacy Bank and Trust is an equal opportunity employer.