Provides a complete range of residential real estate loans including in-house mortgages, residential construction and bridge lending and home equity lines of credit. Provides The Bank of Fincastle customer service standards, explains available financial institution products and services and gathers customer information necessary to process requests while building customer confidence and trust by performing the following duties in accordance with established policies and procedures.
Essential Duties Include: • Works to establish bank’s overall residential lending goals for growth and profitability. • Meets with prospective borrowers to communicate the bank’s residential real estate lending products and services. Gathers information necessary to process loan applications. • Approves and denies loan requests within lending authority limits. Presents requests over lending authority to President/CEO or Director’s Loan Committee. • Provides assistance to Branch Managers for processing residential real estate lending requests. • Talks to customers to resolve problems and answer questions. Coordinates loan closings. • Contacts customers regarding delinquent real estate loan accounts, verification of repair work before releasing an insurance check and lost checks and payments. • Prepares reports on the status of assigned delinquent accounts and related collection activities and recommends risk rate changes to the accounts according to the bank’s procedures. • Represents bank in the public relations activities and community affairs.
Education and/or Experience: Bachelor's degree (B. A.) from four-year College or University; or Four to five years related experience and/or training; or Equivalent combination of education and experience.
Computer Skills: Working knowledge of Microsoft Office including Word, Excel and Outlook; Ability to be trained to perform within Windows including Credit Plus, Equifax, NADA, LPS Flood, Laser Pro, Deposit Pro, Integrated Teller, Director, Scan Access, Precision, Fiserv websites, and Internet Based Training Modules software. Must be able to efficiently type on a keyboard and use an adding machine.
Certificates, Licenses, Registrations: Nationwide Mortgage Licensing System (NMLS) licensing or registration as required, may be required to be a Notary Public.
The Mission of The Bank of Fincastle is to provide comprehensive financial services for our community through knowledgeable professionals, while creating shareholder value.
The Bank of Fincastle is an Equal Opportunity Employer.