Job Information
Cashmere Valley Bank Lender I, II in Cashmere, Washington
Cashmere Valley Bank Lender I, II Job Status: Full Time Reports To: Department Manager Amount of Travel Required: Occasional Positions Supervised: None Location: Varies Department: Home Branch FLSA Status: Exempt Grade/Level: $53,217 - $70,956 Annually Work Schedule: Available to work Monday through Friday from 8:00 am to 6:00 pm with weekends or overtime as necessary. POSITION SUMMARY Solicit, originate, process and close consumer and commercial loans with an emphasis on consumer loans. Works in support of branch/department manager. Performs a variety of follow-up duties including collecting past dues. Develops relationships that facilitate cross selling other bank services and referrals to the Financial Services Group. ESSENTIAL FUNCTIONS Reasonable Accommodations Statement To accomplish this job successfully, an individual must be able to perform, with or without reasonable accommodation, each essential function satisfactorily. Reasonable accommodations may be made to help enable qualified individuals with disabilities to perform the essential functions. Essential Functions Statement(s) * Interview potential loan customers and take applications. Analyze loan requests, determine the proper structure and terms within loan policy and present to applicant. Ability to administer and deliver a complex array of loan products within a complex regulatory environment. * Prepare loan document requests and send along with other required documents for each type of loan to Loan Administration for preparation of documents. * Order, review and underwrite appraisals, appraisal reviews, title insurance, environmental reports and collateral insurance. * Meet with customers at their convenience to close transactions and perform all necessary follow-up. Collect past due loans within the branch/department using phone calls and written correspondence. Document all collection efforts. * Responsible for the preparation and maintenance or delegation of loan files, including collecting current financial statements, leases, UCC filings, flood insurance and collateral insurance as required by policy. Ensure that documents are processed in a timely manner to protect the Bank's interest in collateral securing a loan. * Prepare comprehensive loan presentations as qualified loan requests are received. Maintain appropriate credit memos in loan files so any reviewer would be able to understand and evaluate the condition of the loan. * Maintain growth and delinquency levels within a range acceptable by manager. Perform annual loan review and watch list reports as required by policy. * Actively solicit new business. Seek referrals and leads from customers and affiliates and develop relationships within the community to build an identity as a person who can provide financial solutions. Identify opportunities and refer business to other departments of the Bank. * Must be able to decline a loan request and provide a thorough explanation to the customer, provide possible alternatives and deal effectively with customer objections. * Become effective in assessing the subjective factors of a borrower's credit profile to determine their willingness and ability to repay. Understand and apply the objective credit factors in assessing the borrower's request. * Follow security procedures included in SAFECATCH. * Provide branch/ department support as deemed necessary. Adhere to all policies, procedures and regulatory compliance requirements for Cashmere Valley Bank. * Adhere to all policies, procedures and regulatory compliance requirements for Cashmere Valley Bank. * Regular, in person attendance is essential. * Model and uphold the Mission Statement of Cashmere Valley Bank. * Other duties as assigned. J