Community Banker - Gray

Morris Bank - Gray, GA

Full-time - Mid Level

Gray, GA

Credit Intermediation and Related Activities

About the position

The Community Banker at Gray Morris Bank is responsible for processing and servicing consumer loans while acting as a liaison between customers and various bank departments. This role involves educating clients about loan products, cross-selling banking services, and representing the bank in community events to enhance its image and develop new lending business.

Responsibilities

• Accept and process consumer loans.
• Act as a liaison between customers and other areas of the bank.
• Cross-sell deposit, mortgage, and commercial products.
• Provide back support to Banking Center Customer Service Associates for deposit-related activities.
• Educate prospective clients about the bank's underwriting guidelines and applicable government regulations.
• Explain complex approvals or denials to prospective loan clients.
• Study new regulations affecting the bank's lending policies and ensure compliance with management.
• Make small business loans within Loan Officer's qualifications.
• Work with prospective loan clients to obtain lending business for the bank.
• Cross-sell non-loan related products and services.
• Represent the bank at community functions to enhance its image and develop new lending business.
• Screen consumer and small business loan requests based on bank policies.
• Interview prospective loan clients to gather information about their loan needs and financial condition.
• Obtain necessary information regarding prospective loan clients.
• Assist customers with completion of consumer loan applications.
• Process consumer loan applications within the bank's credit decision system.
• Analyze current financial positions of consumer customers to assess risk.
• Confirm recommended approvals, declines, or forward loan requests for higher-level decisions.
• Establish terms and conditions of approved loans and review them with customers.
• Prepare and review all consumer loan documents for completeness and accuracy.
• Close consumer loans in accordance with bank policy.
• Maintain customer account information on the computer system.
• Follow current loans to ensure compliance with terms and coordinate with collections.
• Participate in new business development activities.
• Identify cross-selling opportunities and cross-sell services to customers.
• Answer questions about products and services and resolve problems within authority.
• Refer problems beyond authority to supervisors with recommendations.
• Follow guidelines for grading loans and manage technical exceptions.
• Monitor loan proceeds and obtain inspections of collateral associated with loans.
• Perform duties as defined in the Bank Secrecy Act/Anti-Money Laundering Program.

Requirements

• Bachelor's degree in business or finance or equivalent experience in a financial setting.
• Two to five years of experience in a bank or lending setting.
• Strong attention to detail and good judgment.
• Ability to exercise personal and professional responsibility and work under minimum supervision.
• Strong planning and organizational skills.
• Excellent interpersonal, verbal, and written communication skills.
• Strong customer service skills and ability to positively persuade customers.
• Adaptive to change and proficient in Microsoft Word and Excel.

Nice-to-haves

• General knowledge of Bank Secrecy Act/Anti-Money Laundering Program preferred.

Benefits

• Full-time position with competitive salary.
• Opportunities for professional development and training.