United Bank of Southwest Alabama & Northwest Florida · 1 day ago
Consumer Lender
Jay, FL
Full-time
Hybrid
Mid LevelUnited Bank of Southwest Alabama & Northwest Florida is seeking a Consumer Lender who is responsible for originating and managing a range of lending products. The role involves assessing clients' financial needs, providing tailored loan solutions, and ensuring compliance while maintaining strong client relationships.
BankingCommercial LendingFinancial Services
Responsibilities
Reviews loan applications, analyzes financial information, evaluates collateral, and determines creditworthiness
Makes appropriate credit decisions, underwrites loans within approved lending authority, and recommends loan approval to higher authority, when needed
Ensure accurate and complete documentation for loan approvals
Provide personalized financial solutions based on customer needs
Educate customers on loan products, terms, and repayment options
Maintain long-term relationships with clients to promote loyalty and repeat business
Proactively identify referral opportunities for banking products such as credit cards, deposit accounts, and insurance
Maintains an active role in the community and develop relationships with local businesses, realtors, and auto dealers to generate referrals
Meet or exceed loan production goals and branch sales objectives
Adhere to all banking policies, regulatory guidelines, and lending procedures
Ensure loans comply with underwriting guidelines and risk assessment standards
Monitor loan performance and resolve any delinquent accounts
Any additional duties as assigned by Management
Qualification
Required
Experience in originating and managing a range of lending products, including personal loans, home loans, auto loans, and business loans
Ability to assess financial needs and offer tailored loan solutions
Experience conducting thorough financial assessments and reviewing credit reports
Knowledge of loan terms and compliance with relevant regulations and company policies
Ability to collaborate with underwriters, credit analysts, and other internal teams
Strong customer service skills to maintain a high level of customer satisfaction
Ability to build and nurture long-term relationships with clients
Experience in identifying referral opportunities for banking products
Active involvement in the community and ability to develop relationships with local businesses
Ability to meet or exceed loan production goals and branch sales objectives
Knowledge of banking policies, regulatory guidelines, and lending procedures
Ability to ensure loans comply with underwriting guidelines and risk assessment standards
Experience in monitoring loan performance and resolving delinquent accounts
Company
United Bank of Southwest Alabama & Northwest Florida
Founded in 1904, United Bank serves the needs of consumers, small businesses, agriculture and commercial customers.
Founded in 1904
51-200 employees
Funding
Current Stage
Public CompanyTotal Funding
$22.96MKey Investors
Community Development Financial Institutions Fund
2024-10-28Grant· $9M
2023-10-13Grant· $9M
2023-04-10Grant· $4.96M
Recent News
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2025-12-07
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