LOAN OFFICER at TrustTexas Bank
Cost Center: Kyle/New Braunfels
Department: Lending
Reports to: Senior Regional Lender, Cuero/Kyle/New Braunfels Area
Supervises: None
Summary: Originates and services home mortgage, commercial and consumer loans. Promotes the bank and its loan products to the service area by participating in and promoting various community activities.
Job Requirements:
- Prefer a college degree or equivalent experience;
- Minimum of 1 to 5 years experience in lending, bank administration, financial management field or educational equivalent;
- Working knowledge of loan policy and procedures;
- Good knowledge of laws and regulations governing the lending function;
- Strong financial analytical skills;
- Good oral and written communication skills;
- Good underwriting skills for all types of lending, (mortgage, commercial and consumer);
- Good organizational and interpersonal skills;
- Registration through the Nationwide Mortgage Licensing System as required under the SAFE Act;
- Regular attendance and punctuality as scheduled are essential; and
- Exemplify TrustTexas Bank Core Values of Friendliness, Teamwork, Trustworthiness, High-Quality Service and Commitment
Specific Job Functions:
- Aggressively seeks and obtain quality new business through client and prospect calls, referrals, and cross-selling efforts;
- Responsible for building and maintaining relationships resulting in a high degree of customer satisfaction, loan growth and recognition of name and brand in the marketplace;
- Takes loan applications, explains current interest rates, and terms and closes loans as required (includes telephone inquiries);
- Personally interviews all prospective loan applicants and explains the bank’s underwriting guidelines and applicable lending regulations;
- Stays abreast of regulations and legislation, as well as other political and economic situations that may influence the lending function;
- Reviews loan applications for completeness and performs all pre-processing functions in a timely manner;
- Evaluates all loan requests based on the bank’s policies and procedures;
- Obtains required financial information on applicants as necessary;
- Personally answers incoming phone calls and schedules appointments;
- Responsible for individual loan portfolio credit quality, including identification of problem loans, collection efforts and required reporting functions;
- Responsible for minimizing and effectively managing delinquent loans;
- Presents loan requests to the Executive Loan Committee;
- Communicates approval and denials to the borrower;
- Participate in special projects as required;
- Actively participates in local business and community activities;
- Ensure compliance with the Bank Secrecy Act; and
- Other duties as assigned
