consumer loan officer

SB Financial Group

<div><div><div><div><h1 class="jobSectionHeader"><b>About Us</b></h1><p>
Join a high‑performing, expanding $1.5B community bank with $3.2B in total assets under our care, where people, purpose, and opportunity come together to drive meaningful impact. At State Bank, we are building a culture grounded in collaboration, innovation, and integrity, while continuing to invest in our people and the communities we serve. We value individuals who take initiative, think strategically, and are committed to both personal and organizational growth. Our approach recognizes contributions and effort, supports professional development, and provides meaningful financial rewards, including the opportunity to earn up to 30% of your annual wage in quarterly incentives. In addition, we offer opportunities to grow your career within a strong, stable, and expanding organization. If you feel you have what it takes to become part of a high‑performing team of professionals and deliver regional growth goals in a competitive landscape and enjoy strong financial recognition for your leadership and work this opportunity just might be for you.</p><h1 class="jobSectionHeader"><b>
Education</b></h1><p>
A high school diploma or equivalent required; a B.A. degree in related field of study preferred; specialized bank consumer lending education/training preferred.</p><h1 class="jobSectionHeader"><b>
Experience</b></h1><p>
A minimum of three (3) years of experience in accounting, lending, or related positions. Formal credit training program or certification preferred.</p><h1 class="jobSectionHeader"><b>
Preferred Skills</b></h1><div><ul><li>
Knowledge and experience working with a Retail Loan Origination System (LOS).</li><li>
Proficient reading, writing, grammar, and mathematics skills.</li><li>
Proficient interpersonal relations and communicative skills.</li><li>
Knowledge of current loan servicing procedures, lending laws, and regulations.</li><li>
Sound judgment and risk assessment.</li><li>
Moderate computer skills.</li></ul></div><h1 class="jobSectionHeader"><b>
Role and Responsibilities</b></h1><p>
Responsible for performing administrative and underwriting duties to support the consumer lending function; achieving goals as established in the bank&rsquo;s business objectives; coordinating work within the department, as well as with other departments; complying with operating policies and procedures established for the consumer loan function; communicating with appropriate personnel; maintaining appropriate records and providing assigned reports.</p><p><b>
Essential Duties</b></p><p>
Performs administrative and underwriting duties to support the consumer lending function of which the following are illustrative:</p><div><ul><li>
Evaluates consumer loan requests<ul><li>
Auto Loans, Credit Cards, Home Equity, Personal Loans, and Recreational Vehicles</li><li>
Check for completeness and accuracy</li><li>
Verify personal, employment, and financial information with confirmation through use of pay stubs, tax returns, or bank statements and compare income against loan requirements and internal guidelines</li><li>
Ensure required documentation has been provided</li></ul></li><li>
Completes credit risk assessment<ul><li>
Evaluate credit reports and identify any risk indicators</li><li>
Assess debt-to-income (DTI) ratios and repayment capacity</li><li>
Review collateral valuations and general loan quality.</li></ul></li><li>
Apply lending policies and guidelines<ul><li>
Ensure loan decisions align with risk tolerance thresholds, product guidelines, and follow regulatory compliance</li></ul></li><li>
Approves or denies consumer loans based on consumer loan standards.</li><li>
Use automated underwriting systems<ul><li>
Work within LOS to review system-generated offers and override if needed.</li><li>
Input data and ensure accuracy for automated models</li><li>
Recommend process improvements, system enhancements, automation, and workflow changes to increase efficiency and accuracy.</li><li>
Participates in testing and validation of system upgrades or new features</li></ul></li></ul></div><div><ul><li>
Communicate with stakeholders<ul><li>
Collaborate with loan officers, processors, and customer service to provide guidance, resolve issues, and support positive client experiences.</li><li>
Provide exceptional customer service and support cross-functional projects as needed.</li><li>
Suggest strategic and innovative strategies to achieve goals from the annual operating plan.</li></ul></li><li>
Fraud detection and due diligence<ul><li>
Identify inconsistencies or suspicious activity</li><li>
Flag potential fraud cases (fake income, identity issues)</li><li>
Escalate high-risk applications</li></ul></li><li>
Portfolio and performance monitoring<ul><li>
Prepares and analyzes reports on portfolio performance, delinquency trends, and loan quality to identify areas of improvement.</li><li>
Provides input on credit policy development and training initiatives to ensure consistent application of standards across consumer lending.</li></ul></li><li>
Documentation and audit readiness<ul><li>
Maintain clear, compliant records of decisions</li><li>
Ensure files meet audit and regulatory standards</li><li>
Document rationale for approval/denial decisions</li></ul></li><li>
Performs additional duties and responsibilities as directed by the Director of Consumer Lending</li><li>
Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of sexual harassment and other forms of illegal discriminatory behavior in the workplace.</li><li>
Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the bank's compliance with all regulatory requirements, e.g. Community Reinvestment Act (CRA), Equal Credit Opportunity Act, etc.; ensures that the department and all personnel adhere to the same.</li><li>
Responds to inquiries relating to his/her particular area, or to requests from customers, other personnel, etc., within give time frames and within established policy.</li></ul></div><h1 class="jobSectionHeader"><b>
Ancillary Duties</b></h1><div><ul><li>
Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual or departmental circumstances.</li><li>
Serve as backup to the Credit Department for tasks such as credit file maintenance, loan reviews, small business underwriting, risk rating updates, monitoring/tracking, and preparation of management reports.</li></ul></div><h1 class="jobSectionHeader"><b>
Physical Requirements</b></h1><div><ul><li>
Must be able to remain in a stationary position more than two-thirds of the time.</li><li>
The person in this position needs to occasionally move about inside the office to accomplish tasks.</li><li>
Frequently communicates with others to exchange information.</li><li>
Constantly moves wrists, hands, and/or fingers.</li><li>
Must be able to assess the accuracy, neatness, and thoroughness of the work assigned.</li><li>
Sedentary work that primarily involves sitting/standing.</li></ul></div></div></div></div></div><p></p>

Consumer Loan Underwriter

Wheatland Bank

<div>About the Role:
<div>
The Consumer Loan Processor is responsible for gathering, analyzing and interpreting supporting information for consumer loan applications. The position prepares Consumer loans for Approval, Counteroffers, Denials. This position will ensure loans are compliant with loan policy, processes are followed according to procedures and exceptions are maintained within our risk framework. This position supports and adheres to department lending policies and operational procedures consistent with overall company policies.</div><div></div><div><b><br>
The pay range for this position is: $20.68 to $31.01 per hour.</b></div><h2 class="jobSectionHeader"><b>
PRINCIPAL RESPO</b><b>NSIBLITES AND DUTIES:</b></h2><h2 class="jobSectionHeader"><b>
Consumer Loans:</b></h2><ul><li>
Responsible for processing all new applications in a timely manner, including ordering and reviewing flood insurance, title insurance, hazard insurance, and preparing application for document preparation.</li><li>
Gather, analyze and interpret consumer loan applications and/or credit information for existing and prospective banking customers in order to process necessary file documentation.</li><li>
Create monthly reports from automated consumer loan system and Excel.</li><li>
Order and review flood certifications, title policies and appraisal requests.
</li><li>Provide assistance in the training of bank personnel on Consumer Lending related issues.</li><li>
Preparation and tracking of Adverse Action letters</li><li>
Quality Control review of Adverse Action packages</li><li>
Prepare and track decisioned loan follow up letters</li><li>
Answer questions from branch personnel regarding all Consumer Loan products, features, benefits, rates, application status, appraisals, flood certifications and title policies.</li><li>
Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.</li><li>
Must remain up to date on all governing Federal and State consumer regulations as they relate to Retail Lending.</li></ul><div><b>
ADDITIONAL RESPONSIBILITIES:</b></div><ul><li>
Adhere to Wheatland Bank Core Values</li><li>
Keep management informed of area activities and any significant problems</li><li>
Provide exceptional customer service to all customers, both internal and external.</li><li>
Represent Wheatland Bank in a Professional fashion to include; professional image, confidentiality, regular and consistent attendance, punctual.</li></ul><p></p><div><b><br>
POSITION CONTACT:</b></div><ul><li>
Frequent contact with the Consumer Operations Manager to receive guidance and coordinate work assignments.</li><li>
Frequent contact with customers and prospects.</li><li>
Contacts involve varied or complex situations which require tact, judgment, and the ability to develop solutions to problems.</li></ul><br>
<div></div>
About You:
<div><b>
QUALIFICATIONS:</b></div><ul><li>
High school diploma and/or equivalent experience in consumer or residential lending.</li><li>
2-4 years previous lending experience.</li><li>
2 years of experience in consumer lending focusing on policy and procedures recommended but not required.</li><li>
Requires a thorough understanding of all Consumer Loan Products including credit cards and knowledge of the regulations pertaining to interviewing an applicant and taking a credit application in person and/or over the telephone.</li></ul><div></div><div><b><br>
KNOWLEDGE, SKILL, ABILITY:</b></div><ul><li>
Must be self-driven, ambitious, and goal oriented, with strong analytical, underwriting, customer service, and sales skills.</li><li>
Will have strong leadership traits, work ethic, written and verbal communication and time management.</li><li>
Basic computer skills with proficiency in Microsoft Excel and Word.</li><li>
Must be accurate, punctual, dependable, and professional in appearance.</li><li>
Ability to relate to others and impart knowledge and information in a clear, precise manner is essential.</li><li>
Good math and organizational skills to ensure the maintenance of complete, accurate loan documentation and follow-up.</li><li>
Excellent communication skills both verbal and written to maintain a heavy volume of correspondence, personal contact, and telephone communication.</li><li>
Ability to maintain strict confidentiality</li><li>
Ability to multi-task and handle complex tasks efficiently.</li><li>
Strong analytical skills</li><li>
Strong attention to detail.</li><li>
Excellent customer service skills</li></ul><div></div><div><b><br>
WORK ENVIRONMENT:</b> Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise level.</div><div></div><div><b><br>
PHYSICAL DEMANDS:</b> The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.</div><div></div><p><br>
While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms. The employee may also be required to: bend and twist.</p><p>
Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Must be capable of climbing / descending stairs in an emergency situation.</p><p>
Specific lifting abilities required by this job include: Up to 20 pounds.</p><p>
Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.</p>
What We Offer:
<div><b>
COMPENSATION &amp; BENEFITS:</b> Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance. Coverage is available to employees and their eligible dependents in accordance with our written plan documents. You may also be eligible for a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a retirement savings plan, including 401(k) and Profit-Sharing plans, short and long-term disability benefits, education and training benefits, and discounts on banking products and services. We also offer a generous Paid Time Off (PTO) plan and paid holidays. PTO accruals begin at .0745 per hour worked for our part time employees up to a maximum accrual of 240 hours per year for certain Full-Time employees. PTO accruals are dependent on position, status (Full time or Part time), and years of experience in accordance with our PTO policy. Most Full-Time employees are also offered 6 paid holidays and Part Time employees are offered pro-rated paid holidays. In addition, employees in Utah and Nevada may be eligible for pay for certain state recognized holidays. Visit our website for more details</div><div></div><div><b><i><br>
We are an Equal Opportunity Employer and qualified applicants, or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state, or local laws.</i></b></div><div></div><div><b><i><br>
Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.</i></b></div><div></div><div><b><i><br>
No Recruiters or unsolicited agency referrals please.</i></b></div></div>

Consumer Loan Processor

Republic Finance

<div>Overview:
<div>
Are you looking for a long-term opportunity with a growing financial services company that <b>rewards performance</b> and <b>gives back to its community</b>? If so, please read on!</div><div></div><div><br>
This position earns a <b>competitive salary</b> of<b> $32,000 per year </b>(paid hourly), plus an <b>uncapped monthly bonus that averages $8,000 annually</b>! In addition, we offer<b> amazing benefits and perks</b>, including <b>health, dental, and vision insurance with employer contribution as well as paid time off (PTO), paid holidays, a 401(k) plan with company match after one year, regular bonuses, and short and long-term disability</b>. If this sounds like the right opportunity in the financial services industry for you, apply today!</div><div></div><div><br>
As a Consumer Loan Specialist, you will be a key team member in the branch. Your primary responsibility is to ensure a positive total customer experience while originating consumer loans, completing loan applications, developing strong customer relationships and meeting sales goals. The successful candidate will posses a professional demeanor, outgoing/positive attitude, reliability, and excellent oral and written communication skills.</div><div></div><div><b><br>
ABOUT REPUBLIC FINANCE</b></div><div></div><div><br>
We have helped our customers meet their personal finance goals for more than 70 years by providing a variety of consumer loans, flexible lending options, and incomparable customer service. We are proud to serve over 300,000 customers in more than 250 communities throughout the US, and <b>we continue to expand into new states each year</b>! Our Core Values are at the heart of everything we do with a focus on Our Team, Our Customers, and Our Performance. With a commitment to our customers, we identify lending options that fit each of their unique needs. Not only are we dedicated to serving our customers, but we are also dedicated to giving back to our communities. Company-wide, we participate in various philanthropic efforts such as volunteer opportunities, food drives and back to school drives as well as an annual fund raiser for St. Jude Children's Research Hospital.</div><div></div><div><br>
Our growing company offers a bright future for our employees. We work to provide a <b>clear career path and many growth opportunities</b> for all of our team members. Our supportive culture is one where we all work together to continuously improve and reach our goals. We show our appreciation for our employees by offering <b>great benefits and competitive pay and by rewarding performance.</b></div><div></div><div><br>
Job responsibilities are as follows:</div><br>
<div></div><ul><li>
Actively seeks opportunities to originate new loan business with new and existing customers.</li><li>
Evaluates customer needs to recommend the best consumer loan and voluntary product solutions.</li><li>
Completes loan applications, proposals and offers for new borrowers and follows up with pending applicants.</li><li>
Assists potential borrowers by explaining the loan process, answering questions regarding loan products and loan processing.</li><li>
Takes ownership of customer concerns and works with management to formulate and execute strategies for potential problem loans.</li><li>
Closes loans, assembles loan folders, and breaks down files as well as other miscellaneous tasks.</li><li>
Consistently meets or exceeds loan goals.</li><li>
Responsible for day-to-day servicing of an ever-growing, complex consumer loan portfolio.</li><li>
Applies analytical skills to quickly and efficiently resolve any customer issues.</li><li>
Processes insurance claims, follow-ups and payments daily and maintains insurance log.</li><li>
Provides excellent customer care through daily transactions, customer inquiries and problem resolution.</li><li>
Answers incoming phone calls; checks branch&rsquo;s voicemail.</li><li>
Effectively builds trust with customers and internal staff by embodying and demonstrating the philosophy of the organization, including core values, company policies, operational procedures and compliance.</li></ul>
Requirements:
<ul><li>High school diploma or equivalent.</li><li>
Minimum of 1 year of sales experience (i.e., retail sales, goal-oriented or incentive based).</li><li>
Professional demeanor, positive attitude, strong communication and customer relations skills are a must.</li><li>
Ability to work in a high-performing, fast-paced, goal-oriented, team environment.</li><li>
Ability to successfully navigate priorities while paying close attention to details.</li><li>
Basic computer skills and familiarity with Windows &amp; Microsoft Office.</li><li>
Ability to meet our acceptable standards for criminal background history, credit history and pass a pre-employment drug screen.</li><li>
Ability to meet the eligibility requirements for insurance licensing in order to sell voluntary insurance products. Eligibility is based on a criminal background check conducted by the state&rsquo;s department of insurance.</li></ul>
Benefits:
<div>
We offer a competitive compensation and benefits package including:</div><br>
<div></div><ul><li>
Health, Dental, &amp; Vision Insurance</li><li>
15 days of Paid Time Off (PTO) to start + 1 additional personal day</li><li>
401k + employer match</li><li>
Company provided Life Insurance &amp; Long Term Disability</li><li>
Employee Assistance Program - Confidential mental health support</li></ul><div></div><div><br>
Additional benefits with Republic Finance include:</div><br>
<div></div><ul><li>
Access to LinkedIn Learning's library of 10,000+ professional development courses</li><li>
Employee of the Month Program</li><li>
Philanthropic support for multiple charities including an annual drive for St. Jude Children's Research Hospital</li><li>
Professional offices with a friendly team environment</li><li>
Monthly incentive bonus pay</li><li>
Internal promotions</li></ul><div></div><div><i><br>
Republic Finance, LLC is an Equal Opportunity Employer and does not discriminate on the basis of race, sex, color, religion, national origin, age disability or veteran status in employment opportunities and benefits. Republic Finance, LLC maintains a Drug-Free Workplace.</i></div></div>

Consumer Loan Specialist - Sales Customer Service

MASS BAY CREDIT UNION

<div><h2 class="jobSectionHeader"><b>About Us</b></h2><p>
Celebrating over 85 years in business, Mass Bay Credit Union has over $300M in assets, continues to grow, and is proud to be 19,000 members strong! We've recently expanded our field of membership which allows us to serve members in a much broader group of communities. In addition, as a member of the shared branching network, we provide our members with nation-wide service at thousands of credit union locations throughout the country.</p><p>
Interested in bringing your financial skills to a growth credit union where your input is valued? Then we would very much like to chat with you! Send us your resume in complete confidence.</p><p>
Mass Bay Credit Union is proud to be an Equal Opportunity Employer.</p><p></p><p><b><br>
JOB TITLE</b> : Manager of Loan Underwriting</p><p><b>
REPORTS TO</b> : AVP of Lending</p><p><b>
STATUS</b> : Full time; exempt</p><p></p><h2 class="jobSectionHeader"><b><br>
Job Purpose</b></h2><p>
To evaluate, analyze, and underwrite consumer and home equity loan applications in accordance with credit union lending policies, regulatory requirements, and sound underwriting practices. This role supports the credit union's mission by making timely, accurate lending decisions that balance the member experience, portfolio quality, and risk management while fostering strong member relationships along with the members financial well-being.</p><h2 class="jobSectionHeader"><b><br>
</b></h2><h2 class="jobSectionHeader"><b>
Duties and Responsibilities</b></h2><ul><li>
Review credit applications for various types of consumer loans, including Home Equity Products, and analyze applicable information (credit reports, collateral valuation, legal documents, etc.) to render credit decisions in accordance with lending policies.</li><li>
Use discretion and independent judgment for credit decisions not conforming to lending policies and consult with the Chief Lending Officer or AVP of Consumer Lending.</li><li>
Consistently demonstrates leadership in lending operations, member service, pipeline management, and sales.</li><li>
Proactively seek cross-selling opportunities for each credit applicant.
</li><li>Identify and assist in the development of new loan products.</li><li>
Establish clear expectations for productivity, quality, member service, and turnaround times.</li><li>
Identify performance gaps and implement coaching, training, and process improvements to enhance results.</li><li>
Promote a high performance culture focused on accountability, collaboration, member experience and risk management.</li><li>
Respond to and resolve consumer and home equity loan clerks, as well as retail staff loan inquiries in a timely manner and facilitate assistance from other staff as appropriate.
</li><li>Constantly develop greater knowledge in all areas of credit union operations.</li><li>
Maintain an in-depth knowledge of the Credit Unions policies and procedures as well as regulations and compliance, both state and federal.</li><li>
Required to attend or participate in necessary compliance training.
</li><li>Responsible for maintaining and updating the HMDA LAR on a monthly and quarterly basis.</li><li>
Ensure underwriting decisions are consistent with credit policy, credit union guidelines, regulatory requirements , and risk appetite.</li><li>
Assists with Quality Control reviews of loan files.
</li><li>Participate in activities that help reinforce our PICK US values and support a positive internal culture.</li><li>
Assist the Chief Lending Officer and AVP of Consumer Lending in performing other duties and responsibilities as needed to ensure organizational success.</li><li>
Exercise discretion and independent judgment with respect to all matters of lending.</li><li>
Responsible for adherence to anti-money laundering duties and the Bank Secrecy Act laws.</li><li>
Represent the Credit Union in a professional and friendly manner, both internally and within the community.</li><li>
Assumes other duties, responsibilities, special assignments, and training as necessary or directed.</li></ul><p></p><h2 class="jobSectionHeader"><b><br>
Qualifications</b></h2><ul><li>
A minimum of 3 to 5 years of similar or related experience. Credit Union experience preferred.
</li><li>Knowledge of lending compliance.</li><li>
Strong Communication, both oral and written skills.</li><li>
Ability to become a Mortgage Loan Originator with the Nationwide Mortgage Licensing System &amp; Registry (NMLS).</li><li>
Computer skills mandatory.</li></ul><p></p><h2 class="jobSectionHeader"><b><br>
Working Conditions</b></h2><p>
This position requires a flexible schedule with limited evening and weekend duties, traveling in Credit Union's service area, attending events, and working at times with challenging circumstances and challenging members.</p><p></p><h2 class="jobSectionHeader"><b><br>
Physical Requirements</b></h2><p>
While performing the essential duties of the position, the employee would be regularly required to stand, sit, walk, stoop, kneel, talk, and hear. Vision requirements include close vision and the ability to focus. The nature of this position requires physical mobility and the ability to occasionally lift and/or move a maximum of 25 pounds.</p></div>

Manager of Loan Underwriting

Sound Community Bank

<p>POSITION DESCRIPTION<br/></p><p>The Senior Commercial Loan Officer is responsible for providing professional commercial lending services to existing and prospective bank clients. The Senior Commercial Loan Officer is expected to achieve their certain production and customer calling goals and properly manage their assigned loan portfolio.<br/></p><p>POSITION QUALIFICATIONS<br/></p><p>Bachelor&rsquo;s degree preferred, plus a minimum of 10+ years of progressively responsible Commercial Lending experience. Trustworthiness and sensitivity are essential. Skill competencies required include, but are not limited to:<br/></p><p>Ability to underwrite credit requests, determine appropriate loan structure and present proposed loan requests for approval<br/>Prepare professional Credit Write- Ups for review by Commercial Team Lead, Credit Administration and Loan Committee for approval<br/>Ability to assess and grade credit risk, debt service capacity and ratio analysis<br/>Good understanding of financial statements including balance sheets, income statements and statement of cash flows<br/>Excellent relationship building and interpersonal skills<br/>Strong customer focus<br/>Strong organizational and multi-tasking skills in a fast-paced environment<br/>Excellent verbal and written communication skills<br/>Excellent proofreading skills with a strong attention to detail<br/>Ability to work both independently and as a team player<br/>Practice flawless ethical behavior and understands the need for confidentiality<br/>Information Technology knowledge is a plus.<br/>Must have valid driver&rsquo;s license and access to an insured vehicle.<br/>Ensure compliance with regulatory requirements, including the Bank Secrecy Act.<br/></p><p>POSITION RESPONSIBILITIES<br/></p><p>Duties may include but are not limited to:<br/></p><p>Responsibility #1 Loan Production and Maintenance<br/></p><p>Originate, underwrite, and service a portfolio of commercial banking relationships and cross-sells other banking services when appropriate<br/>Monitor existing loan portfolios to maintain a high quality asset base and assist in collection of past due loans<br/>Negotiate renewals of credit facilities. Recommend approval of loan payments, construction draw requests, draws from lines of credit and funds transfers with specified limits<br/></p><p>Responsibility #2 Credit and Borrower Analysis<br/></p><p>Screen potential commercial borrowers by analyzing their business plan, strategies, and projections, as well as, historical financial statements and business results<br/>Meet with existing customers and prospects through various methods to discuss business needs and recommend ways in which the Bank can provide solutions<br/>Work with Credit Analysts to accurately review prospective borrower requests and coordinate processing of approved loans<br/>Test financial loan covenants and prepare annual term loan reviews<br/>Ensure all loan documents are correct, signed and recorded/perfected.<br/>Ensure all supporting documentation is complete and signed where necessary.<br/></p><p>Responsibility #3 New Business Development / Community Outreach<br/></p><p>Engage in business development activities and solicit new high quality loan and deposit business to achieve volume and/or production goal<br/>Represent SCB at various community functions and professional/civic groups to further enhance the Bank&rsquo;s image and visibility<br/></p><p>Responsibility #4 Continuing Education<br/></p><p>Update job knowledge by participating in educational opportunities, maintaining personal networks and participating in professional organizations.<br/></p><p>Other Duties as Assigned<br/></p><p>Each employee makes a significant contribution to the success of Sound Community Bank. Employees must have an overall understanding of department operations, and ensure compliance with regulatory requirements, including the Bank Secrecy Act. It is expected that each employee will readily accept additional duties and offer their services wherever and whenever necessary to ensure our success.<br/></p><p>Corporate Core Values<br/>Demonstrates behavior and actions which support Sound Community Bank&rsquo;s values and actively participates in volunteering.<br/>Our employees are our most important asset.<br/>Results matter.<br/>Community is our heart.<br/>Access and sustainability are critical.<br/></p><p>Compensation<br/></p><p>Salary is dependent on experience.<br/>$126,560.00 - $189,840 per year<br/></p><p>Health and Retirement Benefits<br/>Health, Dental, and Vision insurance plans for employee and dependents<br/>Employer-paid Group Life &amp; AD/D insurance<br/>Wellness Program discount towards medical insurance premiums, Employee Assistance Program<br/>401(k) plan options with up to 3.5% employer match and Employee Stock Ownership Program (ESOP)<br/>Voluntary benefits include: Health Savings Account (HSA), Voluntary Life &amp; AD/D, Accident Plan, Critical Illness Coverage, Short-term Disability, Long-term Disability, Flexible Spending Account (FSA) and Dependent Care Account<br/></p><p>Time-off Benefits<br/>Two weeks Paid Vacation, Paid Employee Days for Birthday and Hire Date Anniversary, Paid Sick and Safe Time (7 days per year), Bank Paid Holidays (11 per calendar year)<br/></p><p>Other Benefits<br/>We also offer the following (some perimeters apply): Tenure Bonus Program, Continuing Education/Tuition Assistance &ndash; up to $2,500 per year, Student Loan Debt Repayment - up to $100 per month, ORCA Passport/Transportation Alternatives/Benefit Allowance, Charitable Donation Matching Program, Gym/Health monthly reimbursement, Pet Insurance monthly reimbursement, Employee mortgage and consumer loans, Banking services (of course!) free of normal service charges, Employee Recognition Program<br/></p><p>EEO is the Law<br/>Sound Community Bank is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability status, protected veteran status or any other characteristic protected by law.<br/></p><p>HOW TO APPLY<br/>Apply for the position by clicking on the Apply button or visit our Career Center for all open positions at https://www.soundcb.com/about-us/career-opportunities.html<br/></p>

SENIOR COMMERCIAL LOAN OFFICER

Deutsche Bank

<div>
 <p>
  <strong>
   Job Title
  </strong>
  Commercial Real Estate Risk Officer
 </p>
 <p>
  <strong>
   Corporate Title
  </strong>
  Assistant Vice President
 </p>
 <p>
  <strong>
   Location
  </strong>
  New York, NY
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Overview
  </strong>
 </p>
 <p>
  The Commercial Real Estate (CRE) credit team is tasked with managing the real estate credit risk for Deutsche Bank&rsquo;s Commercial Real Estate Group. In particular, Risk Officer is responsible for handling approvals for all real estate related transactions, retained on balance sheet. Additional tasks include setting and monitoring counterparty credit limits, negotiating term sheets, reviewing due diligence and underwriting and interfacing with senior management and Business personnel. You will be expected to analyze and recommend approvals/declines, or new loan terms for proposed commercial real estate transactions involving stabilized, transitional, ground-up construction, conversions and acquisition/rehabilitation properties. Risk Officer will act as the primary intermediary between the Business units, department heads and credit committees, assist in structuring transactions to achieve optimal risk/return outcomes, and monitor portfolio and financial/market developments within commercial real estate and related sectors, Experience leading/managing internal and external audit coordination required.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   What We Offer You
  </strong>
 </p>
 <ul>
  <li>
   A diverse and inclusive environment that embraces change, innovation, and collaboration
  </li>
  <li>
   A hybrid working model, allowing for in-office / work from home flexibility, generous vacation, personal and volunteer days
  </li>
  <li>
   Employee Resource Groups support an inclusive workplace for everyone and promote community engagement
  </li>
  <li>
   Competitive compensation packages including health and wellbeing benefits, retirement savings plans, parental leave, and family building benefits
  </li>
  <li>
   Educational resources, matching gift and volunteer programs
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   What You&rsquo;ll Do
  </strong>
 </p>
 <ul>
  <li>
   Analyze and recommend credit approval/declines, or suggest new loan terms for proposed commercial real estate transactions involving stabilized, transitional, ground-up construction, conversions and acquisition / rehabilitation properties
  </li>
  <li>
   Act as the primary intermediary between the Business units, department heads and credit committees
  </li>
  <li>
   Monitor portfolio and financial/market developments within commercial real estate and related sectors as needed to enhance response capability and corporate knowledge. Analyze/Asses and make recommendations for approval for the balance sheet portfolio, including construction loans and transitional loans
  </li>
  <li>
   Interact with internal Business unit personnel to prepare credit reports and due diligence documentation that support Deutsche Bank's Business strategies while operating within the constraints of Deutsche Bank&rsquo;s risk appetite for commercial real estate in a manner consistent with its policies and procedures
  </li>
  <li>
   Monitor an existing portfolio, sponsor/guarantor financial capacity, watchlist credits and prepare impairment analyses and memoranda as necessary; assist in structuring transactions to achieve optimal risk/return outcomes
  </li>
  <li>
   Maintain data integrity for all names / transactions in Information Technology (IT) systems and assist and at times lead CRM - CRE's interactions with internal / external auditors and regulatory authorities and other Deutsche Bank infrastructure teams (Finance, Regulatory, Risk Analytics, etc.)
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Skills You&rsquo;ll Need
  </strong>
 </p>
 <ul>
  <li>
   Extensive commercial real estate credit experience
  </li>
  <li>
   Balance sheet lending experience
  </li>
  <li>
   Ability to analyze/review highly structured loans
  </li>
  <li>
   Experience working with internal and external auditors
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Skills That Will Help You Excel
  </strong>
 </p>
 <ul>
  <li>
   Highly motivated with ability to work independently
  </li>
  <li>
   Excellent verbal and written skills
  </li>
  <li>
   Ability to multi-task
  </li>
  <li>
   Structured lending experience
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Expectations
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <p>
  It is the Bank&rsquo;s expectation that employees hired into this role will work in the New York City office in accordance with the Bank&rsquo;s hybrid working model.
 </p>
 <p>
  Deutsche Bank provides reasonable accommodations to candidates and employees with a substantiated need based on disability and/or religion.
 </p>
 <p>
  The salary range for this position in New York City is $100,000 to $153,000. Actual salaries may be based on a number of factors including, but not limited to, a candidate&rsquo;s skill set, experience, education, work location and other qualifications. Posted salary ranges do not include incentive compensation or any other type of remuneration.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Deutsche Bank Benefits
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <p>
  At Deutsche Bank, we recognize that our benefit programs have a profound impact on our colleagues. That&rsquo;s why we are focused on providing benefits and perks that enable our colleagues to live authenti&shy;cally and be their whole selves, at every stage of life. We provide access to physical, emotional, and financial wellness benefits that allow our colleagues to stay financially secure and strike balance between work and home. Click here to learn more!
 </p>
 <p>
  Learn more about your life at Deutsche Bank through the eyes of our current employees https://careers.db.com/life
 </p>
 <p>
  The California Consumer Privacy Act outlines how companies can use personal information. If you are interested in receiving a copy of Deutsche Bank&rsquo;s California Privacy Notice please email HR.Direct@DB.com.
 </p>
</div>


Commercial Real Estate Risk Officer - Assistant Vice President

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Commercial Real Estate Risk Officer - Assistant Vice President