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Consumer Lender II
$70,054 - $77,834/Yr
Glacier Bank - Greenwood Village, CO
posted 2 months ago
Full-time - Mid Level
Greenwood Village, CO
Credit Intermediation and Related Activities
About the position
The Consumer Loan Officer originates a high volume of consumer loans and manages the entire loan origination process. This role involves underwriting loans, analyzing financials, and providing support to the Consumer Loan Manager throughout the loan process. The position requires extensive interaction with customers, vendors, and bank staff, emphasizing professionalism and efficiency in enhancing the bank's image.
Responsibilities
- Originate a high volume of consumer loans and manage the loan origination process.
- Underwrite HELOCs and other consumer products, ensuring compliance with lending requirements.
- Approve, decline, or counteroffer loan applications within set lending authority.
- Gather financial information for underwriting and prepare personal cashflow worksheets.
- Evaluate repayment ability, collateral adequacy, and analyze credit reports.
- Communicate loan decisions clearly and courteously, including discussing denials and alternatives.
- Identify and develop new customer relationships while maintaining existing ones.
- Meet or exceed annual loan production goals set by the manager.
- Respond to customer inquiries and conduct application interviews.
- Order and review loan documents for accuracy and compliance with requirements.
- Attend loan committee meetings and provide structural feedback as needed.
- Monitor past due loans and assist with collection efforts.
Requirements
- Three to five years' experience as a lender and underwriting as a consumer lender.
- Three to five years' of banking experience.
- High level computer skills with knowledge of word processing, spreadsheets, and general applications.
- Ability to apply logical or critical thinking to define problems and draw conclusions.
- Effective verbal and written communication skills.
- Strong organizational skills with the ability to prioritize and manage multiple projects.
Nice-to-haves
- Experience with HELOCs, RE Term Loans, Personal Loans, and Auto Loans.
- Familiarity with complex self-employed income and financial statements.
Benefits
- Health savings account
- Paid holidays
- Health insurance
- Dental insurance
- 401(k)
- Paid time off
- Employee assistance program
- Vision insurance
- Life insurance
