Superior National Bank · 2 days ago
Retail Lender
Hancock, MI
Full-time
Onsite
Mid Level
4+ years expSuperior National Bank is seeking a Retail Lender to grow a portfolio of residential real estate and consumer loans through superior service and relationship development. The role involves consulting with customers, managing loan portfolios, and adhering to regulations while identifying opportunities for cross-selling additional bank products.
Communities
Responsibilities
Originate residential real estate and consumer loans to meet bank and branch growth goals
Manage existing loan portfolio, including service and collections
Drive loan growth through outbound prospecting and development of referral sources
Work with consumer and mortgage applicants to obtain information for loan applications and answer questions about the loan process
Present and clearly communicate loan options and terms to help borrowers make good financial decisions
Obtain, compile, and analyze financial, credit, and collateral information to support loan decisions
Develop and maintain expert knowledge of mortgage loan programs, including portfolio products, FNMA, FHLMC, FHA, VA, and USDA guidelines
Leverage technology to enhance customer experience and enhance efficiency
Approve loans within specified limits, and refer loan applications outside those limits for approval, based on the financial institution’s policies and procedures. Ability to present arguments for exception approval
Negotiate loan terms, such as costs, loan period, loan repayment methods, and collateral specifications, and inform borrowers of loan commitments
Review loan agreements to ensure that they are complete and accurate according to policy and regulations
Work with clients to identify their financial goals and consult on ways of reaching those goals; ability to cross-sell other bank products and services
Ability to consult with the customer to help make decisions that are right for the customer, acting as a financial advisor or credit counselor
Assist in identifying competition, trends, unfulfilled borrower needs, and potential lending opportunities
Understand and follow bank/department/government regulations, policies, and procedures, and participate in all compliance-related training
Other duties as assigned and/or necessary
Qualification
Required
NMLS Certification (may be obtained after hiring)
Demonstrated ability to pursue and meet sales goals
Motivated self-starter with strong organizational skills and the ability to work independently and set priorities in a fast-paced environment
Demonstrated ability to network, build and cultivate strong relationships within the community to establish and maintain relationships with potential and existing customers
Strong attention to detail
Strong verbal and written communication skills
Strong analytical, critical thinking, problem solving, judgment and decision making skills
Strong negotiation and conflict/issue resolution skills
Proficient in the use of Microsoft Word and Excel. Ability to quickly grasp and adapt to changing applications and software
Preferred
Bachelor's degree in business, finance, or related field preferred; or equivalent combination of education and experience
Four or more years of experience in a lending environment preferred
Experience with mortgage lending and regulatory changes since 2010 Dodd-Frank Act, including experience with TRID (Truth-in-Lending, Real Estate Settlement Procedures Act Integrated Disclosure) and all it encompasses
Company
Superior National Bank
Superior National Bank opened in 1890.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
Jeff Kopelman
President & CEO
Michael Hauswirth
President & CEO
Company data provided by crunchbase