This job was posted by https://www.kansasworks.com : For more
information, please see: https://www.kansasworks.com/jobs/12913438
Summary Description
nbkc isnt your average bank. We take your traditional financial
institution and make it better.
We are currently looking for aConsumer Lenderto join our Lending
Team. As a Consumer Lender, you will develop and maintain relationships,
while managing the consumer loan process and the consumer loan
portfolio. You will also work cross-functionally with peers and leaders
to obtain loan approval while maintaining operational standards.
This position will work \@Flex (a combination of both in the office and
at home).
Want to learn more? Check out the details below.
What youll do
- Manages the underwriting and processing of new consumer loans
- Examines, evaluates, recommends or authorizes approval of customer
applications for consumer loans
- Requests applicant credit reports, background checks, reference
checks, and other pertinent information for loan application.
- Manages loan portfolios from a small to complex nature. Analyzes
financial and related data to determine the current creditworthiness
of loan relationships to determine loan status. Monitors loan
payments and advances activities in accordance with presented loan
documentation and policies.
- Establishes and negotiates terms under which credit will be
extended, including the costs, repayment method and schedule of
collateral requirements and documentation. Ensures loan agreements
are complete and accurate according to establishment policy.
- Prepares reports and analysis of credit situations and provides
recommendations to Chief Lending Officer or Senior Credit Officer
for loans that need restructuring. Develops and implements
strategies to recover principal from borrower where non-performing
loans have been identified and implements action plan.
- Identifies, monitors, and manages risk profile of assigned lending
portfolio. Presents to Executive Loan Committee updates and status
on the full life cycle of loan to include, loan requests, new loan
terms and modifications for restructuring, watch list items and past
dues.
- Monitors market conditions and competitor rates.
- Drafts and proposes changes to credit policy to executive leadership
for approval.
- Develops business by contacting prospects and/or current customers
and to maintain and enhance existing portfolio.
- Regularly visits branch(es) to prospect and close loans.
- Follows all applicable laws and regulations.
- Performs other duties and projects as assigned.
What youll bring
- Bachelors Degree in business, accounting, or related field preferred
(High school diploma or GED required)
- Strong communication and follow-up skills alongside the ability to
complete what you commit to.
- Qualified candidates must have 5-7 years of consumer credit,
financial analysis or consumer lending including credit risk
management experience preferred.
- Advanced knowledge of related state and federal lending and
compliance regulations, and other Bank lending policies preferred.
- Advanced accounting and business financial knowledge with the
ability to analyze repayment ability, cash flow, and commercial
financial statement and tax return analysis preferred.
- Excellent computer skills, including proficiency with Microsoft
Office products and other proprietary bank systems
Bonus Points
- Experience working with Encompass, nCino, and/or Finastra Phoenix
- Strong business communication skills and executive presence
- Advanced financial analytical skills with sound judgment and
decision-making abilities
- Solid multi-tasking and project management skills
- Ability to perform essential functions of the job with or without
accommodation.