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Consumer Lender / Loan Assistant

Join our team of professionals who are passionate about serving the community, building relationships, and making a positive impact. Discover rewarding career paths, growth prospects, and a supportive work culture that values collaboration, integrity, and personal development.

• Contact prospects and customers for new business.
• Interview loan applicants.
• Analyze credit worthiness.
• Approve or deny loans based on authority following guidelines, policies and procedures. 
• Establish structure of loans within framework of loan policy and extends loans up to approved lending authority per loan policy.
• Ensure documentation is completed and accurate.
• Monitor loans in repayment.
• Collect loans in default.
• Refer larger loan requests for approval or denial as per loan policy.
• Consistently educate customers about their financial choices. Appropriately analyzes their needs, and recommend appropriate financial products and services.
• Complete and stay up to date on required. 

• As needed, run credit reports, pull flood determinations, order appraisals and title work, and conduct account research.
• Assists lending officers in the preparation of pre-funding worksheets, HMDA data collection, loan documentation checklists and any the use of any outside resources such as the Military Lending Account, and Geocoding, etc. that is necessary to properly submit a loan package to the Loan Processing department.
• Prepares appropriate loan disbursement entries (cashier's checks, deposit, wire transfer, etc.) on signing date and according to loan disbursement instructions provided by Lender.
• Remit payments to third party vendors including appraisers, insurance companies, and title insurance companies.
• Responsible for collateral perfection including recording mortgages, UCCs, CNS filings, titled units, etc.  
• Monitors and maintains customer loan files.
• Monitors and maintains the loan tickler system. The tickler system is used to track and ensure customer financial information is current and all loan collateral is secured. Items tracked include but is not limited to: mortgages; title policies; UCCs; lien cards; collateral insurance; customer financial statements; etc.   
• Doc imaging of complete loan files.
• Processing of loan payoff requests, loan payoffs, and loan payments.
• Monitor loan payoff report and ensure all necessary steps are completed to close out the loan.  Release any loan collateral at the direction of the lender responsible for that account relationship.
• Prepares routine letters, reports, and forms.
• Provides excellent customer service in regards to customer deposit account balances, loan balances, and payoff requests.

• Assist in the retail and customer service function of the bank.
• Keep updated on skills needed to conduct basic customer service transactions and answer customer questions.
• Proficiency with bank software and technology.
• Must be able to navigate through Star Bank website and mobile app.
• Ensure that all financial activities adhere to relevant banking regulations and compliance standards.
• Provides support to all areas of the office where service or assistance is needed.
• Other duties as assigned.

• Must remain current on banking rules and regulations and adapt work processes and procedures as necessary according to the changing regulations.
• Pay attention to detail and accuracy.
• Communicate new ideas in a productive manner.
• Independent, critical thinking and problem solving skills.
• Math aptitude.
• Keep updated on bank products and services in the event you need to assist in the retail area. Proficiency with bank software and technology.Team orientation and the ability to adapt in a fun, fast-paced environment.
• Self-motivation, good organization skills, and excellent communication and phone skills.
• Maintain knowledge of the Star Bank Employee Handbook, and bank policies and procedures.

• An associate or bachelor's degree in accounting, finance, or business, preferred but not required, if candidate has related field experience and training. 1-3 years of experience in credit/lending at a financial institution. Knowledge of the fundamentals of credit, lending concepts and practices. Thorough knowledge of the legal aspects of collections, bankruptcy, and repossession.

• Well-lit, temperature-controlled indoor office setting with adequate ventilation and moderate noise level, only occasionally requiring exposure to outdoor weather conditions.
• Primarily sedentary physical activity performing non-strenuous daily activities of an administrative nature often requiring sitting, talking, and listening.
• Manual dexterity sufficient to work with the fingers.
• May occasionally be required to lift and/or carry over 10 pounds.

1. This position description in no way states or implies that these are the only tasks to be performed by the person occupying this position. The incumbent will be required to follow any other instructions and to perform any other position-related duties.
2. Requirements are representative of minimum levels of knowledge, skills, and/or abilities. To perform in this position successfully, the incumbent will possess the abilities and aptitudes to perform each task proficiently.
3. Ability means to possess and apply both knowledge and skills.
4. This position description has excluded the marginal or peripheral functions that are incidental to the performance of primary functions. All requirements are essential to the function of the position.
5. This position description describes the minimum selection requirements to qualify for the position. However, promotion and other employment decisions are also based on Bank needs, being in good standing, fully-competent performance, and other nondiscriminatory issues.
6. All requirements are subject to possible modification to reasonably accommodate individuals with disabilities.
7. This position description does not create an employment contract, implied or otherwise, other than an at will employment relationship.
8. Punctual and regular attendance are a requirement of this position.