Loan Officer/Assistant

Job Description

Austin Bank: Loan Officer/Assistant (RELAT002664)

Austin Bank is seeking a dedicated and professional individual to join our team in a crucial role that combines loan origination, customer service, and essential administrative support. This position requires a commitment to ethical conduct, a strong customer focus, and the ability to contribute to a collaborative work environment.

Essential Duties and Responsibilities:

• Regulatory Compliance:
  • Understand and comply with regulatory requirements for financial transactions, most specifically the Bank Secrecy Act (BSA) and Customer Identification Program (CIP) as it relates to specific job functions.
• Customer Service & Relationship Building:
  • Exhibit superior customer service as an Austin Bank team member, greeting customers with professionalism and courtesy.
  • Demonstrate high-quality relationship-building techniques to ensure customers receive the best possible solutions for their banking and financial needs.
  • Help promote a loyal relationship between the customer and Austin Bank.
  • Provide customers with routine platform services, such as approving checks for cashing or handling customer problems, always delivering exceptional customer service.
  • Answer telephone calls, taking messages, forwarding calls, or providing assistance to customers.
• Teamwork & Professional Development:
  • Participate in developing a teamwork atmosphere with co-workers by attending meetings, participating in discussions, treating co-workers with respect and courtesy, and contributing to departmental goals.
  • Stay abreast of company communications by reading publications, announcements, and company emails.
  • Take advantage of appropriate communication channels regarding bank-related business matters.
  • Develop personal skills and capabilities through ongoing training, as provided by the company or elsewhere (subject to company approval).
  • Enhance professional growth and development through participation in educational programs, current literature, community involvement, and in-service meetings.
  • Use professionalism, courtesy, and tact in working with Bank personnel.
• Ethics & Confidentiality:
  • Uphold and safeguard the organization’s values, particularly relating to ethics, integrity, and confidentiality, both internally and externally.
  • Maintain confidentiality at all times.
• Loan Origination & Processing:
  • Interview applicants and request specified information for loan applications.
  • Pull credit files and credit reports.
  • Analyze applicant financial status, credit, and property evaluations to determine the feasibility of granting loans.
  • Ensure loan agreements are complete and accurate according to policy.
  • Correspond with or interview applicants or creditors to resolve questions regarding application information.
  • Approve loans within specified limits or refer to the loan committee for approval and/or prepare and send out denials.
  • Confer with underwriters regarding lending applications.
  • Participate with and assist senior loan officers on larger loans.
• Business Development:
  • Call on potential or existing customers to develop new business or retain existing business.
  • Network with title companies and real estate offices.
  • Analyze potential loan markets to develop prospects for loans.
• Collections & Asset Management:
  • Work past due accounts in an attempt to collect funds.
  • Perform property inspections and collateral assessments.
• Administrative & Support Functions:
  • Notarize documents.
  • Perform file maintenance.
  • Input loan information on the system and complete entries. Input UCC filings.
  • Prepare monthly reports.
  • Review for accuracy loans already booked on the system.
  • Prepare correspondence.
  • Maintain/review VSI insurance and ticklers.
• Operational Adherence:
  • Maintain established department and Bank policies, procedures, objectives, and quality assurance standards.
  • Report to work regularly and promptly.

Qualification Requirements:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.