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Capitol Federal Savings Bank - Wichita, KS
posted 2 days ago
About the position
The role involves developing loan applications by evaluating applicant information and documentation. The position requires attending to the needs of customers seeking loans, interviewing applicants to determine their financial eligibility, and counseling them on loan repayment policies and restrictions. Additionally, the role includes analyzing potential loan markets to identify opportunities for promoting loans and financial services. Decisions on loans and terms must be made within established lending limits, or recommendations should be made to a supervisor.
Responsibilities
- Conducts commercial lending business development sales calls to generate business opportunities including lending services and other Bank products and services.
- Originates commercial loans and obtains necessary documentation from customers, working with senior officers on larger loans while following the commercial operating guide.
- Analyzes the credit history of applicants and determines their loan repayment capabilities.
- Negotiates credit terms, such as costs, loan repayment method, and collateral specifications.
- Maintains a loan portfolio and manages past dues loans, classified loans, technical exceptions, and policy exceptions within the Bank's Policy and Peer Group Standards.
- Performs other duties as assigned.
- Participates in proactive team efforts to achieve departmental and company goals.
- Complies with current applicable laws, regulations, and bank policies and procedures. Reports all unsafe activities to supervisor and/or Human Resources.
Requirements
- Five to eight years of similar or related experience, including preparatory experience.
- A bachelor's degree is preferred.
- A driver's license is required.
- Oral communication skills.
- Customer service skills.
- Decision-making skills.
- Analytical thinking skills.
- Financial skills and networking.
Nice-to-haves
- A significant level of trust and diplomacy is required to be an effective subject matter expert in the position.
- In-depth dialogues, conversations, and explanations with customers, direct and indirect reports, and outside vendors of a sensitive and/or highly confidential nature is a normal part of the day-to-day experience.
