Location

Job Description:

The Personal Loan Officer prospects, establishes, and maintains relationships with customers by providing personal lending product and service expertise to assist customers in the decision-making process, while staying within established lending limits and ensuring loan quality and deposit growth for the Bank.

ESSENTIAL FUNCTIONS:

• Interview customers to obtain financial history.  Analyze information and sells customers on the products and services that best meet their needs.  

• Prepare personal lending loan applications completely, accurately and in compliance with Federal guidelines and the Bank’s policies and procedures.

• Approve loans within approval limits, and if appropriate, forwards higher values for approval.

• Investigate and close all approved loans in accordance with Federal guidelines and the Bank’s policies and procedures.

• Consistently inform and sell customers on credit life and disability insurance and GAP insurance.

• Respond to customer inquiries regarding all aspects of personal loans.

• Maintain awareness of all current policies and procedures pertaining to personal loans and all interrelated services and functions.

• Meet established personal production goals and assist in the achievement of all the Bank’s annual sales goals.

• Expected to assist in securing liens on mortgages, titles and UCCs.

• Build, seize, and recognize relationship building opportunities with all areas of the bank, including but not limited to deposit, mortgage, business banking, financial planning, and insurance.

Other:

• Provide a “Wow” customer service experience for team members and customers.

• Develop and maintain productive relationships with team members, leaders, customers, and vendors.

• Prompt and reliable attendance is essential in order to provide expected levels of service.

• Must comply with all Gate City Bank policies, procedures, and applicable laws and regulations.

• Must be detailed-oriented and maintain high degree of accuracy.

• Ability to make decisions in a fast-paced environment.

EDUCATION AND EXPERIENCE:

Bachelor’s degree; 2 years of related experience; or equivalent combination of education and experience.

• Strong oral and written communication skills.

• Interpret and use data for decision making.

EOE/including Disability/Vets

Member FDIC