Job description

Position Summary
A VP/Loan Officer is responsible for managing an existing loan portfolio, develop new business, underwriting, structuring, and closing of all loans in accordance with the Bank's established policies and procedures. They must exercise sound judgment in the loan making process. This position will have extensive customer contact and will be responsible for all operational aspects for: consumer, agriculture, and commercial loans.
Each VP/Loan Officer is responsible for abiding by and keeping up to date on the Bank's lending policies in addition to State and Federal lending regulations.
The level of this position is based on years of service, education and/or equivalent experience, knowledge level and skill set.
Lenders are expected to meet and/or exceed Citizens Alliance Bank's customer service levels as well as the over-all goals of the organization.

Essential Functions
To perform this job successfully, an individual must be able to perform each Essential Function and Skill 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 essential functions.
1. Demonstrate excellent written and verbal communication skills.
2. Training and Knowledge of regulations governing consumer and 1-4 family lending practices.
3. Innovative outlook to drive continual progress and retention.
4. Process consumer loan transactions and provide assistance on transaction inquires.
5. Have the ability to analyze financial statements, cash flows, pay records and tax returns.
6. Present credits and loans for approval to appropriate authority, as required.
7. Be pro-active in obtaining new consumer, and 1-4 family residential loan customers for the bank.
8. Demonstrate the ability to prioritize work load.
9. Take consumer, and 1 - 4 family loan applications and approve or reject loan requests in accordance with loan policies and procedures.
10. Obtain and maintain a working knowledge of regulatory requirements as they relate to safety and soundness, compliance and operations.
11. Develop referral networks, suggest alternate channels and cross-sell products and services to accomplish the Bank's goals.
12. Travel may be required to accommodate functions at other facilities.
13. Assist co-workers as needed.
14. Demonstrate a strong commitment to customers and the Bank.
15. Service loan portfolio to ensure documentation requirements are met.
16. Travel for trade and industry schools and seminars.
17. This position may require installation of a Multi-Factor Authentication {MFA) app on an employee's personal mobile device. The MFA apps are used to authenticate a user's identity to the system for security purposes.
18. Adhere to and comply with all applicable, federal, and state laws, regulations, and guidance, including those related to AML, as well as adhere to the Bank's policies and procedures.
19. This position requires a valid Driver's License.
20. Perform other duties as assigned and requested.

Skills
1. Business Acumen.
2. Collaboration with team members, Supervisors and Management.
3. Critical Thinking in making sound business decisions.
4. Excellent verbal and written communication skills.
5. Problem Solving.
6. Relationship Building.
7. Team Work.
8. Time Management.

Performance Competencies
Accountability - Accepting responsibility that results in anticipation/prevention of problem areas from actions, and problem solving inside and outside the department/organization.
Attention to Detail - Taking responsibility for a thorough and detailed method of working in a busy work environment.
Culture Orientation - Consciously create a workplace culture that is consistent with the organization and that emphasizes the organizations mission, vision, guiding principles and values of the organization.
Decision Making - Drawing correct and realistic conclusions and making timely decisions based on available information.
Expertise and Usage -Acquiring functional and technical knowledge in an area of specialty. Applying said knowledge to become an expert in one's particular area.
Initiative - Spotting opportunities within a circle of influence; anticipating threats and acting on them; self-starting rather than waiting passively until the situation demands action.
Job Knowledge - Measure employee's demonstrated job relevant knowledge and essential skills, such as work practices, policies procedures, resources, customer service and technical information, as well as the relationship of work to the organization's mission.
Negotiating - Exploring alternatives by means of persuasion to reach favorable outcomes in situations where decisions involve other parties.
Organizational Awareness - Having and using knowledge of systems, situations, procedures, customers and culture inside and outside the organization to identify potential problems and opportunities; perceiving the impact and the implications of decisions on other components of the organization.
Policy and Procedures - Review, understand and comply with all Bank policies, procedures and guidelines. In order to best complete the Bank's business objectives and comply with applicable regulations, employees must consistently adhere to the Bank's policies, procedures and guidelines.
Sociability and networking -Socializing effortlessly with other people; at ease when approaching others in social settings and professional relationships.

Education and Experience
Required – High School diploma or GED.
Required – Continuing Education to maintain job knowledge.
Required – Three to five years of banking experience.
Preferred – Three to five years of customer service experience.
Preferred – Proficiency in Microsoft Suites.

This job description does not list all the duties of the position. You may be asked by supervisors or managers to perform other duties. You will be evaluated in part based upon your performance of the tasks listed in this job description. The Bank has the right to revise this job description at any time. This job description is not a contract for employment, and either you or the Bank may terminate employment at any time, for any reason, without notice.

Experience
Required

• 3 - 5 years: Banking Experience

Preferred

• 3 - 5 years: Customer Service Experience

Education
Required

• High School or better

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)

Job Type: Full-time

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