Consumer Lender

Bank of the San Juans

Colorado Springs, CO, United States

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About the Role

The Consumer Loan Officer underwrites HELOC loan applications received by the company. This position screens HELOC application packages to determine acceptability of the credit request based on the organizations predetermined lending guidelines.

 

Bank Happy. Work Happy. Right Here.

 

DUTIES AND RESPONSIBILITIES:

 

Essential Functions

  • Collects completed HELOC loan applications and all required corresponding and associated documents.
  • Inputs all data accurately into DecisionPro.
  • Pulls credit reports, verifies information, and underwrites the loan request pursuant to bank policies, procedures, and regulations.
  • Uses proper Board approved lending authority to approve or deny HELOC loans.
  • Perform collateral analysis on all secured HELOC loans.
  • Prepares all required disclosures to meet legal requirements and timeline.
  • Responsible for ordering required supporting documentation for file, ie: title work, flood certificate, appraisal/evaluation.
  • Communicates directly with applicant concerning request and status.
  • Completes proper paperwork to prepare loan documents or issues a notice of action for denials, counter offers, or withdrawals and incompletes.

Additional Responsibilities

  • Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
  • Adhere to Bank of the San Juans Company Core Values.
  • Keeps management appropriately informed of area activities and of any significant problems.
  • Participate in Community Service and Bank sponsored activities that serve and support the mission and values of the Bank of the San Juans.
  • Provide superior internal and external customer service: must demonstrate self-governance, courtesy and respect toward external customers as well as internal customers (all organization personnel).
  • Complete required bank and BVS training courses within assigned time frame(s).
  • Represent Bank of the San Juans in a professional manner which includes a professional image, confidentiality, a positive “can-do” attitude, good attendance, punctuality, flexibility and adaptability in meeting bank and customer needs. Keep work area tidy and maintain customer privacy. Attends and participates in meetings as required.
  • Additional duties as requested or assigned.

About You

QUALIFICATIONS:

  •  Education/Certification:  A four-year college degree or completion of a specialized course of study at a business or trade school or equivalent lending experience.
  • Experience Required: Two years of similar or related experience, including time spent in preparatory positions.

 

KNOWLEDGE, SKILL, ABILITY:

  •  Knowledge of Company loan services, policies, and procedures.             
  • Understanding of related legal and regulatory standards, and required loan documentation.            
  • Knowledge of consumer lending practices. 
  • Excellent interviewing, communication, and public relations skills.
  • Professional appearance and attitude.           
  • Analytical and financial skills.         
  • Ability to operate related computer applications, and other business equipment including calculators, printer, and telephone.                
  • Good typing skills.

 

WORK 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.

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: Sedentary work. Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met.

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: Salary is dependent upon relevant experience. We offer an extensive benefits package that includes, but is not limited to, flexible health coverage options: medical/dental/vision (partially employer paid with competitive premiums), health rewards program, possible employer contribution to a Health Savings Account, Employee Assistance Program (EAP); life insurance; 401K retirement plan with immediate vesting (up to 3% employer match, 3% automatic employer contribution, and profit sharing); discounted banking products and services; paid vacation/sick days, and paid holidays.

 

COMPANY OVERVIEW: At Glacier Bancorp, our employees are our most valuable asset. We seek qualified individuals who enjoy people, are innovative and eager to learn. We are dedicated to providing opportunities for personal advancement and professional growth by investing in the tools and training needed to build a personalized career path for you.

 

Glacier Bancorp, Inc. is a regional bank holding company headquartered in Kalispell, Montana with assets greater than $11 billion, operating in numerous community bank divisions across 7 states (Montana, Idaho, Utah, Washington, Wyoming, Colorado and Arizona). We pursue a community banking philosophy, emphasizing personalized service combined with the full resources of a large banking organization. Over the years, Glacier Bancorp has received numerous awards for stability and soundness, and has repeatedly ranked among the top 10% in the nation for financial strength.

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, age, 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.

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Job Info

Bank of the San Juans logo

Posted Date: Jun 26, 2020
External ID: 3618-OTHLOC-19
Credit/Lending
Hourly
Replacement
Full-Time
Minimum Wage: $19.66