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Northwest Bank · 1 day ago

Community Lending Officer

Columbus, OH

Full-time

Onsite

Mid, Senior Level

3+ years exp

Northwest Bank is seeking a Community Lending Officer who will be responsible for originating new CRA qualifying residential mortgage and small business relationships. This role involves providing financial education and promoting community development opportunities while ensuring exceptional customer service throughout the loan origination process.

BankingFinancial Services

Responsibilities

Develop relationships with community organizations, MLOs, commercial and small business lenders to improve lending to LMI individuals and within LMI and high minority census tracts

Ensure exceptional customer service experience throughout the loan origination process

Interact with other team members and other departments in a professional manner

Submit complete credit applications with supporting documentation

Develop and maintain successful relationships with internal and external referral sources

Prospect new mortgage, small business, community development loans

Facilitate communication activities with customers and referral sources during loan origination process

Review applications, credit files, and customer qualifications to determine appropriate loan products and pricing

Counsel and coach loan applicants to assist them towards their goals and to deliver the best loan products for their needs

Request timely loan rate locks for Secondary Marketing

Maintain up-to-date knowledge of loan products including conventional, portfolio, FHA, VA, USDA-Rural Housing programs and secondary market rules; including SBA, Habitat for Humanity, and tax-credit opportunity loans

Achieve production and quality goals

Cross-sell other Northwest products and services to loan applicants

Responsible for ensuring that they consistently provide the best customer experience possible, and for participation and support of all aspects of the Bank’s adopted sales process

Work with marketing to create/suggest advertising and promotional materials

Conduct and participate in staff meetings as appropriate regarding CRA qualifying lending products

Conduct direct business calls / referrals as outlined in the CRA Program

Develop and maintain community presence and involvement

Ensure growth in revenue producing products and services

Develop new and expand existing small business loan relationships within LMI and high minority census tracts, residential loan relationships within LMI and high minority census tracts, deposit relationships within LMI and high minority census tracts, and partnerships with Branch managers, cash management Advisors and Trust and Investment Advisors to promote additional business opportunities and profitability for the Bank

Actively participate in community affairs

Quickly establish a consistent SBA business development cadence in the marketplace which includes but is not limited to, Call Planning and Follow-Up, Client Retention Calls, New Client Prospecting, Outbound Telephone Calling Efforts, Networking Events

Educate prospective clients about the Bank’s underwriting guidelines, SBA programs and all applicable government regulations

Manage Business Banking SBA portfolio of both credit and noncredit clients

Make loan presentations and recommendations to Credit, team leaders and senior line of business managers as required

Organize, create, and provide financial education through participation in Home Buyer seminars and presentations

Ensure compliance with Northwest’s policies and procedures, and Federal/State regulations

Navigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency

Work as part of a team

Work with on-site equipment

Ensure compliance with third party agencies and vendors

Qualification

Mortgage origination experienceLoan productsSales skillsBanking regulationsCustomer service experienceEllie Mae-EncompassAnalyze financial dataNetworking skillsSupervisory experienceNmls RegistryOrganizational skillsWork collaboratively