Consumer Lender

SCOPE You are responsible for a Consumer loan portfolio. Within the portfolio managed, you will be responsible for credit decisions (within authority guidelines), overall credit quality, & fee income with the goal of helping each client meet the objectives of their personal & professional full financial health. You commit to providing an AMAZING client experience throughout this process. ACCOUNTABILITIES Consumer Loan Portfolio Management - 50% * You assist clients with credit card lending, ready reserves & consumer lending, including real estate lending. * You are responsible for understanding & generating quality consumer credit within guidelines set by bank policy & individual lending authority to reach growth targets. * You understand & effectively apply selling techniques to open, develop & close a sale; must be able to create interest in a product & actively cross-sell other products & services. * You are responsible for managing the consumer loan portfolio. This includes credit quality, credit approval, operations process, & the profitability of the portfolio. * You are responsible for analyzing loan data on new, renewal & existing loans, including data provided by credit bureaus, other financial institutions & financial institution files. * You monitor loans in repayment & collect past due loans and loans in default. * You ensure that proper documentation is completed and following up on items needed for the loan file. * You have a thorough understanding of current market trends/conditions. REA Retain / Expand / Attract - 25% * You successfully attract consumer business to Profinium s products & services. This will include expanding account relationships with existing clients, attracting prospects to the bank & going on joint calls with our partners. This effort will include contacting clients by phone, mail, email & in person to ask for account relationships. * You are an expert in all products offered in Relationship Banking & proficient in other products offered by Profinium & effectively communicate the value of those services & products or introduce the client to the appropriate expert. * You recommend policy/procedure enhancements to better serve customers & team members. * You achieve personal goals set by yourself & your Manager. * You achieve Team Partnership (referral) results based on annual targets communicated by Manager. * You assist in the successful achievement of goals set for the Branch & Bank as defined by bank s annual organizational objectives. Customer Service -15% * You greet walk-in customers & answer incoming calls in a friendly, professional manner. * You are responsible for ensuring that customer service is provided in a high-quality manner, as outlined in the bank s strategic direction. * You may occasionally assist customers with their current account needs. This includes checking, savings, certificates, safety deposit boxes, IRA s & HSA s, etc. * You understand & comply with the related laws & compliance regulations that pertain to all your duties. * You recognize any suspicious behavior & have the ability to make decisions when to consult management on any transactions. Other - 10% * You assess emerging issues & potential liabilities. * You have a thorough understanding of the compliance function & you comply with organization policies, systems, process & procedures with a strong commitment to the overall direction & focus of the organization. * You are an established leader among peers & serve as the backup to the manager when needed. * You are a designated Officer & as such you have the knowledge & authority to approve consumer loans, wires, ACHs & like as outlined in the Bank s approval authority policy. * As a part of the overall team of bank employees, you may be requested to assist in the support of other bank activities. * You promote the AMAZING positive & energetic environment at Profinium by embracing our Purpose, Pledge & Profinium Core Values to guide your behavior. While per orming the duties of this job, you are regularly required to move about inside the office to access file cabinets, office machinery, attend meetings, etc. You have the ability to operate a computer, carry, handle & feel objects; reach with hands & arms; communicate effectively & efficiently in person & over the phone. You must occasionally lift &/or move up to 25 pounds or more with assistance. You have the ability to travel to other locations as needed. Specific vision abilities required include close vision, distance vision, peripheral vision, depth perception & the ability to adjust focus. The requirements listed above are representative of the knowledge, skills &/or abilities required for this position. Reasonable accommodations can be made to enable individuals with disabilities to perform the essential functions of this job. This document is intended to describe the general content & performance requirements of this position. It is not to be construed as an exhaustive statement of duties, responsibilities or requirements & does not imply a contract. Other duties may be assigned. Profinium has the exclusive right to alter this job description at any time without notice. Profinium, Inc. is an Affirmative Action/Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability, veteran status or any other characteristic protected by law Profinium, Inc. ( Profinium ), may use third-party websites to post employment opportunities. Profinium is not involved in the actual transaction between employment applicants and any third-party website. Authentication on the Internet is difficult; therefore, Profinium cannot and will not confirm that third-party websites are safe and secure with personal information, such as a social security number. Accordingly, Profinium discourages candidates from sharing personally sensitive information with third-party websites. Because Profinium cannot be involved in user-to-user dealings or control the behavior of employment applicants on third-party websites, in the event that you have damages from sharing personally sensitive information with a third-party website, you release Profinium (and our agents and employees) from claims, demands, and damages of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with such damages. Profinium is under no legal obligation to, and do not, control the information provided by applicants made available through third-party websites. Profinium expects that you will use caution and common sense when using third-party websites while applying for employment opportunities.