Review completed consumer loan applications, credit bureau reports, vendor reports and all supporting documentation. Exercises lending authority within established guidelines to underwrite, approve or decline direct and indirect credit applications. Maintain a proficiency in the Bank's policies, procedures and all regulatory guidelines.
Banking is a highly regulated industry and you will be expected to acquire and maintain a proficiency in the Bank's policies and procedures, and adhere to all laws, rules and regulations that are applicable to your conduct and the work you will be performing. You will also be expected to complete all assigned compliance training in a timely manner.
Essential Duties and Responsibilities include the following. Other duties may be assigned.
1.Review consumer direct/indirect consumer loan applications for all consumer products.
2.Analyze credit bureau, vendor reports and all supporting documentation to determine credit worthiness of the applicant(s).
3.Search for opportunities to maximize customer's loan potential and establish or expand lending relationships without compromising credit risk.
4.Notify Bankers and Dealerships of all credit decisions in a timely manner and in accordance with all applicable regulations.
5.Enhance relationships with our Banking Centers, DSM's and our Indirect Dealership network, and enhance our relationships with other Bank departments and areas.
6.Provide our internal and external customers with premier customer service and response time at all times.
7.Recognize loan production and portfolio growth opportunities and make recommendations to Bank management.
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education and/or Experience
Associate's degree (A.A.) or equivalent from two-year college or technical school; minimum of two years related experience and/or training; or equivalent combination of education and experience. Must possess a thorough understanding of consumer lending underwriting standards, fair lending laws and regulations, consumer loan products and processing system. Must possess a thorough understanding of credit scoring.
Citizens Bank Of Northern Kentucky