Loan Officer, Consumer & Commercial Lending
Overview
Drive loan origination, underwriting, and servicing for consumer and commercial clients at Sonora Bank in Austin. You will build and manage a portfolio of auto loans and complex credits, working with Branch Management to meet growth goals. Your daily work includes analyzing financials, structuring deals, and negotiating terms. This role stands out for its direct impact on bank profitability and customer relationships.
What You'll Do10
- 1Originate, underwrite, close, and service consumer and commercial loans, including auto loans.
- 2Cultivate existing customer relationships to grow the bank's loan portfolio.
- 3Analyze loan requests and present credit packages to the loan committee.
- 4Monitor the consumer loan portfolio for risk rating accuracy and early problem identification.
- 5Review and approve consumer overdrafts daily.
- 6Meet with customers throughout the loan process to gather information and answer questions.
- 7Develop referral networks and analyze loan markets to find new prospects.
- 8Negotiate loan terms and structure financing based on risk considerations.
- 9Stay current on new loan products and financial services to meet customer needs.
- 10Monitor loan repayment and collect on past due accounts.
Requirements9
- 13+ years in loan operations (funding, servicing, processing) at a bank or credit union.
- 2Bachelor's degree in finance, business, or economics preferred.
- 3Formal credit training preferred.
- 4Thorough knowledge of the financial services industry, including direct and indirect lending products (auto loans).
- 5Strong understanding of lending and collection methods and regulations.
- 6Effective oral and written communication with management, internal and external customers.
- 7Strong understanding of regulatory and legal requirements for banking.
- 8Self-motivated, able to work independently and in a team.
- 9High integrity and confidentiality.
Salary Insight
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