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The loan officer is responsible for developing new business, structuring and closing of consumer and commercial loans, as well as maintaining and servicing an existing portfolio. Proactively executes integrated sales, service and relationship strategies to support growth and retention of commercial clients that have borrowing needs for complex commercial, consumer and/or mortgage loans.
- Maintain a working knowledge of Bank policies, procedures, and pertinent lending regulations.
- Responsible for originating, underwriting, closing and servicing loans.
- Maintaining and cultivating customer relationships for the bank.
- Analyzing and presenting loan requests to the appropriate committee.
- Monitor an existing consumer loan portfolio to ensure proper risk ratings and early identification of potential problems.
- Conduct a daily review, approval and disposition of consumer overdrafts
- Meets with customers as necessary during various stages of the lending process.
- Analyze potential loan markets and develop referral networks in order to locate prospects for loans.
- Negotiate terms, structure loan financing based on risk considerations and present credits for approval to appropriate levels of authority with the bank as required.
- Stay abreast of new types of loans and other financial services and products in order to better meet customer’s needs.
- Meet with applicants to obtain information for loan applications and to answer questions about the process.
- Support the bank’s strong relationship banking culture through on-going customer contact, quality customer service and superior product knowledge.
- Monitors loan repayment activities and takes necessary action to collect from past due accounts.
- Aggressively seeks and obtains quality new business through client and prospect calls, referrals and cross selling efforts.
- Responsible for sales, credit analysis, proper loan structuring, and client interviewing.
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A high school degree or equivalent is required.
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Bachelor’s degree in finance, business or economics preferred.
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A minimum of three years previous experience in loan operations (funding, servicing, processing); bank or credit union experience preferred
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Formal credit training preferred.
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Thorough knowledge of the financial services industry, indirect & direct lending products (auto loans) and services.
- A strong understanding of lending and collection methods and regulations are required.
- The ability to effectively communicate both orally and in written form with management, internal and external customers is required.
- A strong understanding of regulatory and legal requirements pertaining to the banking industry is required.
- Must be self-motivated and have an ability to work independently as well as in a team setting.
- High integrity and confidentiality required.
Must be able to work under pressure and exhibit good judgment in making decisions pertaining to the overall health of the bank and its employees. Position requires extended periods of sitting and computer use. In addition, travel between bank branches and to customers and events is required.
Call Center Representatives deliver quick reliable service by actively listening to customers request for service and working to troubleshoot and resolve customer issues in a timely manner. In addition, they help customers protect their accounts by reviewing suspicious activity reissuing compromised debit and credit card and maintaining confidentiality.
- Provide customer service primarily by phone to external customers by responding to balance inquiries, debit card, online banking, bill pay and deposit account questions and issues, and other requests for assistance.
- Supports the products and services of the bank by interfacing with other departments and employees in positive friendly attitude to ensure timely and effective customer service.
- Performs various operations functions and special projects as needed from time to time and assists others to complete tasks and work assignments.
- Process stop payment request, address changes, modify account profile information, etc.
- Process returned mail. Place check orders.
- Process online banking and bill pay requests.
- Process and fulfill requests for account research.
- Support internal staff regarding department products and functions.
- Responsible for Social Security Administration electronic verification of deposits.
- Assist with other Verification of Deposit request.
- Perform debit card maintenance as requested by customer and document approval.
- High School diploma or equivalent.
- Minimum of two years previous banking or customer service experience preferred.
- Must be able to multi-task.
- Good listener, must have excellent organizational, writing, communication and telephone skills.
- Able to make decisions with minimum supervision.
- Highly reliable with the ability to maintain regular attendance and punctuality.
- Aptitude for issue identification and problem solving.
- The ability to thrive in a fast-paced environment where change and ambiguity are prevalent.
- An aptitude for conflict resolution and problem solving.
- The ability to demonstrate good judgement when making decisions involving account inquiries and problem resolution.
- Excellent interpersonal skills and the ability to build relationships with your team and customers.
- Bilingual Spanish – Beneficial
- Ability to operate office machines and equipment, such as personal computers, printers, copy machines, fax machines, calculators, and telephones.
- Ability to communicate clearly with customers, co-workers, and others both in-person and on the telephone.
- Work activities involve combinations of sitting/standing for extended periods up to 5 hours at a time, kneeling, bending, pushing, lifting, and carrying.
- Ability to perform repetitive finger, hand and arm movement.
- Must be able to work under pressure and exhibit good judgment in making decisions pertaining to the overall health of the bank and its employees.
Handling the entire documentation workflow on commercial loans (including real estate) from initial disclosure through closing and correspondence with all parties involved. Additionally, responsible for the preparation of other commercial loan documents, payment extensions, and loan renewal/modifications agreement. Will also be responsible for the booking of loans into the core system (Jack Henry) after the loan documents have been executed.
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Review loan presentation for proper approval and completion, including supporting documentation.
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Determine borrower and guarantor legal classification and review appropriate entity documents.
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Ensure all pre-funding requirements and exception waivers are obtained, ensuring compliance with any pre-funding requirements.
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Ensure compliance with policies and procedures related to loan documents as detailed in the Loan Policy.
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Generate appropriate disclosures as required by law.
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Coordination of all required documentation preparation, data gathering and customer contact workflow through closing, including title company and attorney correspondence. There is no direct borrower contact.
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Provide a high level of lender branch service, timely review and competitive turnaround times for all loan closings.
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Perform other duties as requested by management.
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High school education or equivalent is required.
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At least one year of work experience in the banking or credit union industry.
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Excellent interpersonal and communications skills are required.
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Must demonstrate a high level of attention to detail, inductive reasoning and high accuracy using computer systems to enter large volume of complex information is required.
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Able to function effectively at a high volume, in a time sensitive environment is required.
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Must be self-educating and able to work with little direct supervision is required.
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Extensive complex Commercial and Commercial RE documentation and closeout workflow experience, including interim construction and land development is preferred.
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Previous commercial loan experience is also preferred.
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Experience in using automated document preparation software is preferred.
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Provide loan research for lenders when called upon.
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Balances various accounts.
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Keying daily work received from the branches
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A working knowledge of loan documents and disclosures insuring prior to loan closing that loan documentation is accurately prepared. Additionally, order title work and appraisals.
- Proficiency in Excel and Word.
- Knowledge of operating system Jack Henry is a plus.
- Ability to communicate clearly in both written and oral forms.
- Must be highly motivated, responsible and able to work under pressure.
- Attention to detail and accuracy is essential.
- Must possess good interpersonal skills and be able to communicate effectively.
- Must be able to work within a team environment.
- Above average computer skill dealing with Microsoft suite of products.
- Regular and punctual attendance is required.
Position requires extended periods of sitting and computer use. Such duties as listed in this description are not meant to be all-inclusive and the employer reserves the right to add, alter or delete duties as fit, with or without notice.
Carry out the duties and responsibilities of a paying and receiving teller, performing each transaction or service in an efficient manner while maintaining a pleasant and courteous demeanor to promote quality relationships and customer satisfaction.
- Greet customers promptly upon their arrival in the bank lobby. Conduct congenial professional interpersonal interactions with the customers throughout all transaction processes.
- Take deposits, cash checks, and do change orders for customers.
- Work night drop deposits and mail deposits and send receipt to customer.
- Sell Cashier’s Checks, Money Orders, and Travelers checks. Balance bank checks weekly.
- Balance Cash Vault and ATM on a daily basis.
- Order savings bonds for customers and also cash them in.
- Remit customer’s Tax Deposits on a daily basis.
- New accounts input, (Loans, DDA, and Savings).
- Take stop payment information and input on system.
- Take wire transfer information and prepare Wire Transfer form for Wire Department.
- Customer service-answer phones, research and balancing customer accounts.
- Prepare CTR’s as needed for deposits and withdrawals of currency over $10,000.00.
- Prepare Compliance Audits as required by Internal Auditor.
- Attend Bank training and Seminars as required.
- Other duties as assigned by Supervisor.
- A High School diploma or equivalent.
- Teller experience and cash handling preferred but not required.
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Proficiency in Excel and Word
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Working Knowledge of financial statement requirements
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Working knowledge of general loan documentation requirements for all loan types
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Ability to communicate clearly in both written and oral forms
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Must be highly motivated, responsible and able to work under pressure
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Must be able to meet deadlines for time sensitive documents and work with a sense of urgency
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Regular and punctual attendance is required
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Individual should possess good interpersonal skills
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Individual should be able to work within a team environment
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Ability to communicate effectively
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Ability to handle confidential information in a professional manner
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Ability to respond in a courteous and helpful manner to customers who are angry or upset
Must be able to work under pressure and exhibit good judgment in making decisions pertaining to the overall health of the bank and its employees. Position requires extended periods of standing, some light lifting and computer use. In addition, travel between bank branches and to customers and events is required.
Physical Demands. 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.
While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is frequently required to stand. The employee is occasionally required to walk; climb or balance and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 20 pounds. Specific vision abilities required by this job include close vision, distance vision, peripheral vision, depth perception and ability to adjust focus.
Provide direct assistance to the Branch Manager in both lending and management capacities. Provide direct assistance to all Lending Staff within the branch office. Provide a friendly atmosphere to make the customer feel at ease during the interview, documentation gathering and closing process for loans of all types (e.g. consumer, commercial and real estate, etc.).
- Conduct initial and continuing customer contact for all types of loan activity within the branch office.
- Provide loan underwriting administrative support (e.g. assisting in the preparation of Loan Presentation memorandums, pulling credit, UCC searches and OFAC/CIP reports).
- Request flood certificates and order appraisals/evaluations and reviews as needed for real estate secured loans.
- Coordinate the production of early disclosures and loan closing documents with the Centralized Loan Processing department, bank attorneys and lenders.
- Coordinate customer appointments, in-branch loan signings and title company closings.
- Scan and index loan documents and other customer information, create and maintain customer files, and ensure original documents are securely filed in appropriate file room cabinets.
- Process new loans and construction loan draw requests for funding, order inspections per bank procedures and prepare general ledger entries, customer deposits and wire transfer requests for disbursement of funds.
- Work with the branch lending staff and Centralized Loan Processing department to resolve customer and loan documentation exceptions.
- Provide information on all deposit accounts and consumer loan products that are offered to facilitate cross-selling of the bank’s products.
- Other duties as assigned by management.
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Proficiency in Excel and Word
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Working Knowledge of financial statement requirements
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Working knowledge of general loan documentation requirements for all loan types
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Ability to communicate clearly in both written and oral forms
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Must be highly motivated, responsible and able to work under pressure
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Must be able to meet deadlines for time sensitive documents and work with a sense of urgency
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Regular and punctual attendance is required
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Individual should possess good interpersonal skills
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Individual should be able to work within a team environment
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Ability to communicate effectively
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Ability to handle confidential information in a professional manner
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Ability to respond in a courteous and helpful manner to customers who are angry or upset
Ready to build your future with Sonora Bank? Send your resume and cover letter to hr@sonorabank.com.

