VisionBank
  • 07-Jan-2021 to Until Filled (CST)
  • Mortgage & Consumer Lending
  • Waukee, IA, USA
  • Salary
  • Full Time

Full Benefits Package and Incentive Compensation Plan


Summary Makes and services a variety of consumer mortgage, construction, and retail loans. Develops and manages mortgage, consumer construction, and consumer loan accounts that meet established lending requirements and provide maximum profitability for the bank at minimum risk. Provides service to customers and prospective customers seeking mortgage, consumer construction, and retail loans. Operates within lending authority. Will spend time in Boone and Ogden branches.

Essential Duties and Responsibilities include the following. Other duties may be assigned.

1. Interviews applicants interested in obtaining mortgage, consumer construction, and retail loans.

  1. Interviews customers to gather credit application information concerning desires, abilities and earnings to determine loan needs.
  2. Explains loan options, rates, terms, and collateral requirements.
  3. Arranges loan decision and notification dates.
  4. Cross-sells other bank related products and services associated with the loan.
  5. Work with commercial lenders to manage the building phase of consumer construction loans.

2. Underwrites mortgage and retail loans.

  1. Orders credit report, disclosures and verifies necessary data.
  2. Prepares loan documents and analyzes debt-to-income ratio.
  3. Evaluates and determines credit-worthiness according to the bank's credit policies.
  4. Coordinates with loan processors to order appraisals.

3. Makes credit decision to approve or decline loans within credit limits, or by committee approval.

  1. Makes mortgage, consumer construction, and retail loans to customers within credit authority limits.
  2. Communicates credit decision to loan applicants.
  3. Negotiates credit terms and repayment schedules within established guidelines.
  4. Coordinates with Loan Processors to prepare adverse action notices.
  5. Keeps informed of changing rules and regulations pertaining to private and government insured mortgages, consumer construction, and consumer lending.

4. Schedules, coordinates, and conducts loan closing.

  1. Reviews loan documents with customers.
  2. Obtains customer's signature on loan documents.
  3. Reviews document after closing to ensure accuracy of transaction.
  4. Coordinates Loan Processors for loan disbursements.
  5. Follows up on any post-closing documentation required by secondary market investors.

5. Services loans in portfolio to retain high loan quality level.

  1. Reviews progress of loans on a periodic basis. Monitors and follows-up on loan maturities and renewals.
  2. Monitors the delinquent reports and takes appropriate corrective action.
  3. Corresponds with customers with delinquent accounts, counsels borrowers to bring accounts current. Provide guidance to customers seeking solutions to financial problems.
  4. Handles follow-ups, collections, or problem loans or may personally visit delinquent customers.
  5. Works in concert with internal and external auditors to ensure compliance with bank policies and procedures and federal and state regulations.

6. Develops new business and expands existing relationships.

  1. Participates in civic and community activities to generate visibility and contacts for the bank.
  2. Cross-sells retail products and services.
  3. Makes sales calls to existing and prospective clients to determine client's financial needs.
  4. Develops relationships with realtors, builders, and developers.

7. May perform two or more of the following functions:

  1. Coordinates collection activities of credits within portfolio.
  2. Provide guidance to less experienced mortgage and retail lenders.
  3. Retrieves collateral when account is deemed uncollectible or makes arrangements for outside assistance.
  4. Maintains control of the foreclosed asset and dispose of the property to minimize losses.

Supervisory Responsibilities

No Supervisory Responsibilities

Competencies

To perform the job successfully, an individual should demonstrate the following competencies:

Analytical - Collects and researches data; Uses intuition and experience to complement data.

Design - Generates creative solutions; Uses feedback to modify designs; Demonstrates attention to detail.

Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in group problem solving situations; Uses reason even when dealing with emotional topics.

Customer Service - Manages difficult or emotional customer situations; Responds promptly to customer needs; Solicits customer feedback to improve service; Responds to requests for service and assistance; Meets commitments.

Interpersonal Skills - Focuses on solving conflict, not blaming; Maintains confidentiality; Listens to others without interrupting; Keeps emotions under control; Remains open to others' ideas and tries new things.

Oral Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Demonstrates group presentation skills; Participates in meetings.

Written Communication - Writes clearly and informatively; Edits work for spelling and grammar; Presents numerical data effectively; Able to read and interpret written information.

Teamwork - Balances team and individual responsibilities; Exhibits objectivity and openness to others' views; Gives and welcomes feedback; Contributes to building a positive team spirit; Puts success of team above own interests; Able to build morale and group commitments to goals and objectives; Supports everyone's efforts to succeed.

Visionary Leadership - Inspires respect and trust; Provides vision and inspiration to peers and subordinates.

Change Management - Develops workable implementation plans; Communicates changes effectively; Builds commitment and overcomes resistance; Prepares and supports those affected by change; Monitors transition and evaluates results.

Delegation - Delegates work assignments; Matches the responsibility to the person; Gives authority to work independently; Sets expectations and monitors delegated activities; Provides recognition for results.

Leadership - Exhibits confidence in self and others; Accepts feedback from others;

Quality Management - Looks for ways to improve and promote quality; Demonstrates accuracy and thoroughness.

Business Acumen - Understands business implications of decisions; Displays orientation to profitability; Demonstrates knowledge of market and competition; Aligns work with strategic goals.

Diversity - Demonstrates knowledge of EEO policy; Shows respect and sensitivity for cultural differences; Educates others on the value of diversity; Promotes a harassment-free environment; Builds a diverse workforce.

Ethics - Treats people with respect; Keeps commitments; Inspires the trust of others; Works with integrity and ethically; Upholds organizational values.

Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values; Benefits organization through outside activities; Supports affirmative action and respects diversity.

Strategic Thinking - Understands organization's strengths & weaknesses; Analyzes market and competition; Identifies external threats and opportunities; Adapts strategy to changing conditions.

Judgment - Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions.

Motivation - Sets and achieves challenging goals; Demonstrates persistence and overcomes obstacles; Measures self against standard of excellence; Takes calculated risks to accomplish goals.

Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently; Plans for additional resources; Sets goals and objectives; Organizes or schedules other people and their tasks; Develops realistic action plans.

Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position; Accepts responsibility for own actions; Follows through on commitments.

Quality - Demonstrates accuracy and thoroughness; Looks for ways to improve and promote quality; Applies feedback to improve performance; Monitors own work to ensure quality.

Quantity - Meets productivity standards; Completes work in timely manner; Strives to increase productivity; Works quickly.

Safety and Security - Observes safety and security procedures; Determines appropriate action beyond guidelines; Reports potentially unsafe conditions; Uses equipment and materials properly.

Adaptability - Adapts to changes in the work environment; Manages competing demands; Changes approach or method to best fit the situation; Able to deal with frequent change, delays, or unexpected events.

Attendance/Punctuality - Is consistently at work and on time; Ensures work responsibilities are covered when absent; Arrives at meetings and appointments on time.

Dependability - Follows instructions, responds to management direction; Takes responsibility for own actions; Keeps commitments; Commits to long hours of work when necessary to reach goals. Completes tasks on time or notifies appropriate person with an alternate plan.

Initiative - Volunteers readily; Undertakes self-development activities; Seeks increased responsibilities; Takes independent actions and calculated risks; Looks for and takes advantage of opportunities; Asks for and offers help when needed.

Innovation - Meets challenges with resourcefulness; Generates suggestions for improving work; Develops innovative approaches and ideas; Presents ideas and information in a manner that gets others' attention.

Qualifications 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, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience

Prefer a Bachelor's degree (B. A.) from four-year college or university in a business related field and minimum of three years consumer lending experience. Secondary market mortgage lending experience is desired, but not required for candidates experienced in making home equity loans.

Language Skills

Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of organization.

Mathematical Skills

Ability to calculate figures and amounts such as discounts, interest, commissions, and percentages.

Reasoning Ability

Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

Computer Skills

To perform this job successfully, an individual should have knowledge of Spreadsheet software, Word Processing software, e-mail, and internet.

Other Skills and Abilities

  • Expert knowledge of Secondary Market Real estate lending function; operations, processes, and procedures
  • Working knowledge of:
    • Federal and state regulations pertaining to real estate lending
    • Real estate loan credit analysis
    • Mortgage loan closing process and procedures
    • CRA policy (Community Reinvestment Act)
    • Collateral collection procedures
    • Bankruptcy and foreclosure procedures
    • Rules and regulations of private and government insured mortgages

Other Qualifications

Must be able to travel between bank locations and to business calls using own transportation.

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 or handle; reach with hands and arms and talk or hear. The employee is frequently required to walk. The employee is occasionally required to stand; climb, kneel, or crouch. The employee must occasionally lift and/or move up to 20 pounds. Specific vision abilities required by this job include close vision, color vision, peripheral vision and depth perception.

Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

VisionBank is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, ancestry, pregnancy status, sex, age, marital status, medical conditions, sexual orientation, gender identity or expression, veteran and/or disability status.

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VisionBank is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, ancestry, pregnancy status, sex, age, marital status, medical conditions, sexual orientation, gender identity or expression, veteran and/or disability status.

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