Evaluate, authorize, and approve loans. Advise borrowers on financial status and methods of payments. Act as liaison between customer and our financial institution and help qualified applicants acquire loans in a timely manner.
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Approve loans within specified limits and refer loan applications outside those limits to management for approval.
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Help applicants to obtain information for loan applications and to answer questions about the process.
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Analyze applicants' financial status, credit, and work history to determine feasibility of granting loans.
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Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
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Obtain and compile copies of loan applicants' credit histories, financial statements, and other financial information.
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Review and update credit and loan files.
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Review loan agreements to ensure that they are complete and accurate according to policy.
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Compute payment schedules.
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Stay abreast of new types of loans and other financial services and products in order to better meet customers' needs.
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Submit applications to credit analysts for verification and recommendation to the Branch Manager or Management office.
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Handle customer complaints and take appropriate action to resolve them.
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Work with clients to identify their financial goals and to find ways of reaching those goals.
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Negotiate payment arrangements with customers who have delinquent loans.
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Analyze potential loan markets and develop referral networks in order to locate prospects for loans.
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Prepare reports to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action.
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Proven working experience as a loan officer.
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Familiarity with computers and loans applications/software.
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Solid understanding of direct/indirect lending products and practices.
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Excellent communication and interpersonal skills.
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Customer satisfaction orientation and sales competencies.
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Ability to work in a goal-oriented environment.
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Must be Bilingual in English and Spanish.
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Schedule flexibility including weekends.
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Personal reliable transportation.
BENEFITS:
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Competitive pay
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Low Cost $ Health insurance
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PAID vacations/ Holidays
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Comprehensive paid training
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Vision/Dental Insurance
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FREE Life Insurance
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Advancement Opportunities
