LENDER I

Job Description

Job Description

Description :

Summary : Examines, evaluates, and authorizes or recommends approval / denial of Dealer loan applications. Communicates with dealerships on a regular basis. Works closely with Dealer Finance lenders and support staff. Supports and coordinates with Collections Department and other internal bank departments.

Essential Duties :

• Review and evaluate loan applications received from Dealers
• Analyze applicant financial information, credit reports, cash flow, collateral evaluations to determine credit worthiness
• Ensure credit and collateral documentation is complete, accurate and in compliance with lending regulations
• Exercise discretion and sound judgement in credit decision process
• Direct communication with Dealers to approve and / or decline loan applications
• Review Dealer loan packages for completeness or missing documents
• Communicate with Dealers to correct document errors or missing documentation
• Maintain, develop, and expand on current Dealer relationships
• Service new and existing loan customers
• Monitor loan portfolio to identify trends or problems in a timely manner
• Assist Collections Officer in the collection of delinquent loans
• Prepare daily and monthly reports for management review
• Monitor Collateral Management system and take appropriate action as needed
• Process collateral releases on paid off loans
• Process and document declined and withdrawn loan applications
• Perform other duties as required

Non-Essential Duties :

Supervisory Responsibilities :

Other Duties :

This job description is not designed to be an exhaustive list of duties. Duties, responsibilities, and activities may

change at any time with or without notice.

Bank wide Expectations :

person or by telephone.

compliance, and the bank in general.

Requirements :

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, skills, and / or abilities required.

Knowledge, Skills, and Abilities

Education and / or Experience (Required and Preferred)

Preferred :

Required :

Certificates, Licenses, and Registrations :

Physical and Mental 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.

the ability to adjust focus.

Work Environment :

and fax machines.

Position Type / Hours :

This is a exempt position working Monday – Friday, 8 : 30 a.m. – 5 p.m. with overtime as necessary.

Travel :

Occasional travel primarily within the Bank’s market areas during the business day with occasional out-of-area and overnight travel.