Consumer Lender - Full-Time - Barnesville, Georgia

United Bank - Barnesville, GA

Full-time - Entry Level

Barnesville, GA

Management of Companies and Enterprises

About the position

United Bank is seeking a Consumer Lender who will be responsible for interviewing and processing consumer loan applications. This role involves determining the acceptability of credit requests based on the Bank's lending guidelines and producing loan documents for customer acceptance. The Consumer Lender will also assist customers with loan inquiries and ensure compliance with state and federal regulations.

Responsibilities

• Interview and close consumer loan applications received by the Bank.
• Ensure that each approved application meets the Bank's lending standards.
• Assist customers with loan questions or problems, matching their needs with United Bank products and services.
• Assist in the day-to-day operation of the Bank, including opening and closing procedures.
• Ensure compliance with the Bank's guidelines by obtaining exception approval signatures on loan applications when needed.
• Collect on past due loans and overdrawn checking accounts assigned to the lender.
• Keep past due loans and collateral exceptions to a minimum as determined by management.
• Perform community service activities to generate a presence in the community.
• Maintain current knowledge of industry regulations, requirements, and trends by attending seminars and reading trade periodicals.
• Comply with all Federal and State banking laws and related regulations, including the Bank Secrecy Act.
• Perform other duties as assigned.

Requirements

• Bachelor's degree or equivalent related experience.
• Previous customer service experience in a banking environment is strongly preferred.
• Requires analytical ability to evaluate credit status and make fair and impartial decisions.
• Knowledge of or the ability to learn State, Federal, and bank legal regulations.
• Ability to manage multiple projects simultaneously.
• Ability to relate well with others.
• Demonstrated leadership, project management, team building, and time management skills.
• Ability to exercise discretion and tactfully handle sensitive and confidential issues.
• Professional demeanor and presentation.
• Strong written and verbal communication skills.
• Demonstrate creative thinking and ability to adapt to change.
• High level of motivation and initiative.
• Proficient in Microsoft Office Suite or similar software with the ability to learn new technology.

Benefits

• Paid employee health insurance
• Dental insurance
• Vision insurance
• Short-term disability insurance
• Paid long-term disability insurance
• Paid life insurance
• 401(k) plan with employer contributions
• Employee stock purchase plan (ESOP) with employer contributions
• Flexible spending account (FSA)
• Wellness program
• Employee assistance program
• Vacation time
• Sick time
• Paid federal holidays
• Other unique perks