Investment Real Estate Banker

First National Bank Of Pennsylvania - Waialua, HI

Full-time - Mid Level

Waialua, HI

Monetary Authorities-Central Bank

About the position

The Investment Real Estate Banker 2 position is primarily responsible for marketing, underwriting, and managing portfolios of income-producing and stale residential real estate assets. The role involves soliciting, evaluating, and authorizing various aspects of the credit loan process for commercial and mortgage loans, while also advising borrowers on their financial status and payment methods. The incumbent will develop and manage relationships with borrowers, cross-selling bank services and products to meet their financial goals.

Responsibilities

• Meets with clients and prospects to obtain information for loan applications and to answer questions about the process.
• Explains to customers the different types of loans and credit options available and the terms of those services.
• Analyzes applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
• Requests and compiles copies of loan applicants' credit histories, background, credit information, tax returns, financial state, and debt obligation information.
• Submits applications to credit analysts for verification and recommendation.
• Computes payment schedules.
• Confers with credit representatives to aid in resolving loan and borrower problems.
• Negotiates payment arrangements with customers who have delinquent loans.
• Analyzes potential loan markets and develops referral networks to locate prospects for loans.
• Works with clients to identify their financial goals and find ways of reaching those goals.
• Markets bank products to individuals and firms, cross-selling bank services that may meet customers' needs.
• Reviews and updates credit and loan files.
• Reviews loan agreements to ensure they are complete and accurate according to policy.
• Manages accounts for delinquencies, credit reporting, and asset quality.
• Handles customer complaints and takes appropriate action to resolve them.
• Stays abreast of new types of loans and other financial services and products to better meet customers' needs.
• Performs other related duties and projects as assigned.

Requirements

• BA or BS degree
• Minimum of 5 years of experience in an equivalent lending or banking position
• Excellent project management skills
• Excellent communication skills, both written and verbal
• Excellent customer service skills
• Excellent organizational, analytical, and interpersonal skills
• Ability to use a personal computer and job-related software
• Basic level proficiency in MS Word
• Intermediate level proficiency in MS Excel
• Basic level proficiency in MS PowerPoint
• Knowledge of banking laws and regulations
• Experience in community and civic activities.