Job Type Full-time Description GENERAL DESCRIPTION : The Leasing/Lending Assistant position is responsible for the solicitation, origination, underwriting and administration of loans. They will help manage an individual loan portfolio and maintain customer relationships to meet the credit needs in the community. ESSENTIAL FUNCTIONS OF JOB :
Interview customers and gather information to assess risk. Analyze overall risk in loan application, within policy guidelines. Document loan decisions, within policy guidelines. Solicit and develop new business within the community. Evaluate, authorize, or recommend approval of commercial, real estate, or consumer and leases credit loans. Will advise borrower on financial terms and methods of repayment. Market the Bank's loan products to a diverse array of potential borrowers (i.e., community, key organizations and agencies). Analyze applicants' financial status, credit and collateral evaluations to determine feasibility of the loan request. Maintain a positive community presence. Perform all other duties as assigned and requested by Supervisor. Requirements REQUIRED SKILLS :
Must be proficient with 10-key (by touch); alpha/numeric data entry; spreadsheets, word processing, basic typing; Presentations/PowerPoint. COMMUNICATION SKILLS: Ability to write speeches and articles for publication that conform to prescribed style and format; ability to effectively present information to top management, public groups, and/or Board of Directors. MATHEMATICAL SKILLS: Ability to calculate figures and amounts such as discounts, interest, commissions and percentages. Ability to apply concepts such as fractions and ratios to practical situations. CRITICAL THINKING SKILLS: Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to utilize common sense understanding to carry out written, oral instructions; ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables. SUPERVISION RECEIVED: Under general direction, working from policies and general directives. Rarely refers specific cases to supervisor unless clarification or interpretation of the organization's policy is required PLANNING: Considerable responsibility regarding general assignments in planning time, method, manner and/or sequence of performance of own work; may also occasionally assist the work operations of a group of employees all performing basically the same type of work. DECISION-MAKING: Performs work operations which permit frequent opportunity for decision-making of minor importance and frequent opportunity for decision-making of major importance, either of which would affect the work operations of medium organizational component and the organization's clientele. MENTAL DEMAND: Intense mental demand; operations requiring sustained directed thinking to analyze, solve, or plan highly variable, administrative, professional, or technical task involving complex problems or mechanisms. ANALYTICAL ABILITY / PROBLEM-SOLVING: Oversight. Activities covered by expansive policies and objectives, and oversight as to execution and review. High order of analytical, interpretative, and constructive thinking in varied situations covering multiple areas of the organizations. ACCURACY: Probable errors would normally not be detected in succeeding operations and could possibly affect organization-patron relationship, involve re-work, or additional expenditures to properly resolve the error. The possibility of such errors would occur quite frequently in performance of the job; may also cause inaccuracies or incomplete information that would be used in other segments of the organization as a basis for making subsequent decisions, plans, or actions. PUBLIC CONTACT: Extensive contact with various diversified sectors of the public; the contacts are of major importance and failure to exercise proper judgment can lead to substantial losses to the organization. EMPLOYEE CONTACT: Contact with other departments or offices and frequently with individuals in middle-level positions; consulting on problems which necessitate judgment and tact in presentation to obtain cooperation or approval of action to be taken. Also, important contacts with associates as required in advanced supervisory jobs, plus frequent contact with senior levels within the organization. PHYSICAL REQUIREMENTS and WORKING CONDITIONS: While performing the essential functions of this job, this position is regularly required to sit, stand, talk or hear; use hands to handle or feel and frequently are required to reach with their hands and arms; occasionally required to climb or balance and may occasionally lift, move, push or pull up to 10 pounds. Specific vision abilities required by this job include close vision and color vision. This is an indoor position and the noise level in the work area is usually moderate. There are no harmful environmental conditions that are present for this position. REQUIRED EDUCATION and EXPERIENCE : Four-year college degree or equivalent experience resulting in broad knowledge of a field related to the job, such as leasing, accounting, marketing, business administration, etc. Plus, five (5) years' related experience and/or training and two (2) years related management experience, or equivalent combination of education and hands-on experience.
