Collegiate Peaks Bank
Consumer Lender II
Collegiate Peaks Bank, Greenwood Village, Colorado, United States,
About The Role
SummaryThe Consumer Loan Officer originates a high volume of consumer loans and manages the entire loan origination process. Underwrites loans, analyzes financials, and has strong analytical and problem-solving skills. Provides support to the Consumer Loan Manager on loan functions from start to finish throughout the process. This role will have extensive contact with customers, vendors, the public, and bank staff and will interact in a professional and courteous manner and conduct him/herself in such a relationship in a manner that will enhance the overall efficiency and image of the bank.The starting compensation pay for this position is $33.68 to $37.42 per hour.
All compensation offers are analyzed individually and take into consideration multiple factors including but not limited to geographic location, years of experience, and educational background.DUTIES AND RESPONSIBILITIES:Well versed with HELOC's, RE Term Loans, Personal Loans, Personal Lines of credit and Auto Loans.Primary focus is underwriting HELOC's in LOS system with a secondary focus on all other consumer products, underwrites subordination, extensions and change in term requests which meet established lending requirements and provide maximum profitability to the company with a minimum of risk. Approve, decline, or counteroffer loan applications within set lending authority.Gathers financial information for underwriting, prepares personal cashflow worksheets, provides information to generate loan disclosures/documentation, evaluates repayment ability, collateral adequacy, analyzes credit reports and confirms documentation requirements are metUnderstands complex self-employed income, ability to read and understand individual and business tax returns, audited, or reviewed financial statements, and company prepared profit and loss statements, balance sheets, and statement of cash flows and completes loan servicing activitiesResponsible for communication loan decisions including the ability to discuss loan denials, loan alternatives and rate computation in a clear, concise, and courteous manner.Identify and develop with potential new customer relationships. Maintain and develop an ongoing relationship with currant customer base. Continuously project an image of professional and concern in dealings with the public by providing superior and external customer service.Meet or exceed loan production goal as set annually by manager in conjunction with goals set for Collegiate Peaks Bank.Responds to customer inquiries, conducts application interviews, occasionally conducts loan closing. Orders and reviews for accuracy initial loan disclosures, orders and reviews loan documents for accuracy, reviews title work and clear requirements, reviews insurance coverage for new and existing loans.Works closely with Personal Bankers to properly document and maintain loan and collateral filesAttends loan committee as required, with ability to provide structural feedback to the committeeComplete loan monitoring through tracking loan maturities, prepare needs list and communicate with borrowers to obtain timely collection of financial information.Monitor past due loan report and assist with collection efforts.Registers with NMLS and maintains registration per SAFE Act requirements.Ensures compliance with company standards and practices, State and Federal rules and regulations as applicable to the position, including, but not limited to BSA/AML, ECOA/Reg B, HMDA, CRA, FHLB, OFAC, and GLBA/privacy rules.Participate in Community and Bank-sponsored activities that serve and support the mission and values of CPB.Other duties as assigned
About You
QUALIFICATIONS:Three to five years' experience as a lender and underwriting as a consumer lenderThree to five years' of banking experienceKNOWLEDGE, SKILL, ABILITY:High level computer skill with working knowledge of word processing, spreadsheets, ten-key, and general computer applicationsAbility to apply logical or critical thinking to define problems, collect data, establish facts, and draw conclusionsAbility to work both independently and in a team environment.Communicate effectively both verbally and in writing with others in a clear, thorough and timely mannerDemonstrate a high level of organization, ability to prioritize and multi-task with attention to detail and accuracy, manage multiple projects, demonstrate self-motivation and ability to follow through with tasksExhibit a professional manner in dealing with others; work to develop and maintain cooperative and positive working relationships; represent the bank in a positive manner and maintain credibility with othersWORK ENVIRONMENT:
Work performed in an office environment. Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.PHYSICAL DEMANDS:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms. The employee may also be required to:Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Must be capable of climbing / descending stairs in an emergency situation.Specific lifting abilities required by this job include:Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.What We Offer
COMPENSATION & BENEFITS: Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance, a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a 401(k) retirement savings plan, discounts on banking products and services, Paid Time Off (PTO) and holidays. Visit our website for more details!COMPANY OVERVIEW: We are a family of banks whose unique local presence reflects the communities we serve. We welcome the opportunity to grow and change as our customers and communities do the same. Read our story, learn about our banks, and experience life at Glacier Bancorp, Inc. all from our website. Check it out!We are an Equal Opportunity Employer and qualified applicants or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state or local laws.Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.No Recruiters or unsolicited agency referrals please.
SummaryThe Consumer Loan Officer originates a high volume of consumer loans and manages the entire loan origination process. Underwrites loans, analyzes financials, and has strong analytical and problem-solving skills. Provides support to the Consumer Loan Manager on loan functions from start to finish throughout the process. This role will have extensive contact with customers, vendors, the public, and bank staff and will interact in a professional and courteous manner and conduct him/herself in such a relationship in a manner that will enhance the overall efficiency and image of the bank.The starting compensation pay for this position is $33.68 to $37.42 per hour.
All compensation offers are analyzed individually and take into consideration multiple factors including but not limited to geographic location, years of experience, and educational background.DUTIES AND RESPONSIBILITIES:Well versed with HELOC's, RE Term Loans, Personal Loans, Personal Lines of credit and Auto Loans.Primary focus is underwriting HELOC's in LOS system with a secondary focus on all other consumer products, underwrites subordination, extensions and change in term requests which meet established lending requirements and provide maximum profitability to the company with a minimum of risk. Approve, decline, or counteroffer loan applications within set lending authority.Gathers financial information for underwriting, prepares personal cashflow worksheets, provides information to generate loan disclosures/documentation, evaluates repayment ability, collateral adequacy, analyzes credit reports and confirms documentation requirements are metUnderstands complex self-employed income, ability to read and understand individual and business tax returns, audited, or reviewed financial statements, and company prepared profit and loss statements, balance sheets, and statement of cash flows and completes loan servicing activitiesResponsible for communication loan decisions including the ability to discuss loan denials, loan alternatives and rate computation in a clear, concise, and courteous manner.Identify and develop with potential new customer relationships. Maintain and develop an ongoing relationship with currant customer base. Continuously project an image of professional and concern in dealings with the public by providing superior and external customer service.Meet or exceed loan production goal as set annually by manager in conjunction with goals set for Collegiate Peaks Bank.Responds to customer inquiries, conducts application interviews, occasionally conducts loan closing. Orders and reviews for accuracy initial loan disclosures, orders and reviews loan documents for accuracy, reviews title work and clear requirements, reviews insurance coverage for new and existing loans.Works closely with Personal Bankers to properly document and maintain loan and collateral filesAttends loan committee as required, with ability to provide structural feedback to the committeeComplete loan monitoring through tracking loan maturities, prepare needs list and communicate with borrowers to obtain timely collection of financial information.Monitor past due loan report and assist with collection efforts.Registers with NMLS and maintains registration per SAFE Act requirements.Ensures compliance with company standards and practices, State and Federal rules and regulations as applicable to the position, including, but not limited to BSA/AML, ECOA/Reg B, HMDA, CRA, FHLB, OFAC, and GLBA/privacy rules.Participate in Community and Bank-sponsored activities that serve and support the mission and values of CPB.Other duties as assigned
About You
QUALIFICATIONS:Three to five years' experience as a lender and underwriting as a consumer lenderThree to five years' of banking experienceKNOWLEDGE, SKILL, ABILITY:High level computer skill with working knowledge of word processing, spreadsheets, ten-key, and general computer applicationsAbility to apply logical or critical thinking to define problems, collect data, establish facts, and draw conclusionsAbility to work both independently and in a team environment.Communicate effectively both verbally and in writing with others in a clear, thorough and timely mannerDemonstrate a high level of organization, ability to prioritize and multi-task with attention to detail and accuracy, manage multiple projects, demonstrate self-motivation and ability to follow through with tasksExhibit a professional manner in dealing with others; work to develop and maintain cooperative and positive working relationships; represent the bank in a positive manner and maintain credibility with othersWORK ENVIRONMENT:
Work performed in an office environment. Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.PHYSICAL DEMANDS:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms. The employee may also be required to:Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Must be capable of climbing / descending stairs in an emergency situation.Specific lifting abilities required by this job include:Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.What We Offer
COMPENSATION & BENEFITS: Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance, a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a 401(k) retirement savings plan, discounts on banking products and services, Paid Time Off (PTO) and holidays. Visit our website for more details!COMPANY OVERVIEW: We are a family of banks whose unique local presence reflects the communities we serve. We welcome the opportunity to grow and change as our customers and communities do the same. Read our story, learn about our banks, and experience life at Glacier Bancorp, Inc. all from our website. Check it out!We are an Equal Opportunity Employer and qualified applicants or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state or local laws.Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.No Recruiters or unsolicited agency referrals please.