Loan Officer/Assistant

Job Description

Loan Officer/Assistant | Austin Bank

The Tone:
This is a role at Austin Bank, a financial institution committed to serving its community with integrity and tailored solutions. We are seeking a dedicated and professional individual for a crucial position that integrates loan origination, attentive customer service, and vital administrative support functions. This role is fundamental to upholding our commitment to ethical conduct, fostering strong customer relationships, and contributing actively to a collaborative work environment. You will play a key part in helping customers achieve their banking and financial goals while ensuring regulatory adherence.

The TL;DR
• Role: Full Time
• Type: Full-time
• Location: Longview, TX (In-person)

• Mission: To expertly guide applicants through the loan process, assessing financial viability and ensuring compliance, while providing exceptional service that strengthens customer loyalty to Austin Bank.

What You’ll Actually Do
• Loan Origination & Assessment: Conduct comprehensive interviews with applicants, meticulously pull and analyze credit files and reports, and critically evaluate applicant financial status and property valuations to determine loan feasibility. Approve loans within set limits or prepare for committee review, corresponding with applicants and underwriters as needed.
• Customer Relationship Management: Deliver superior customer service by greeting clients with professionalism, building high-quality relationships, and providing routine platform services such as check approvals or problem resolution to promote enduring loyalty to Austin Bank. Handle telephone inquiries, offering assistance or directing calls appropriately.
• Regulatory & Ethical Compliance: Ensure strict adherence to all regulatory requirements for financial transactions, with particular emphasis on understanding and complying with the Bank Secrecy Act (BSA) and Customer Identification Program (CIP) as they apply to specific job functions. Uphold the organization’s core values of ethics, integrity, and confidentiality at all times.
• Business Development & Collections: Proactively engage with potential and existing customers through calls and networking with real estate offices and title companies to develop new business and retain existing accounts. Analyze loan markets for prospect generation and actively work past due accounts to collect funds, performing property and collateral assessments.
• Administrative & Operational Support: Execute essential administrative and operational duties including notarizing documents, performing file maintenance, accurately inputting loan information and UCC filings into the system, and preparing monthly reports. Regularly review booked loans for accuracy and maintain VSI insurance and ticklers, all while adhering to established bank policies.

The Must-Haves
• Background: A dedicated and professional individual demonstrating a strong commitment to ethical conduct and superior customer service within the financial services sector. Must possess the ability to contribute positively to a collaborative work environment.
• Experience: Proven capability in conducting applicant interviews, thoroughly analyzing financial status, credit, and property evaluations, and ensuring complete and accurate loan agreements. Experience with assisting senior loan officers and engaging in business development activities is valued.
• Skills: Advanced understanding of financial regulatory compliance, specifically the Bank Secrecy Act (BSA) and Customer Identification Program (CIP); strong analytical abilities for evaluating loan applications; exceptional customer relationship-building techniques; and proficiency in administrative support tasks, including data entry, reporting, and document notarization.