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First Mutual Holding Co. · 4 hours ago

Community Lender

Paris, KY

Full-time

Onsite

Mid Level

First Mutual Holding Co. is committed to serving local financial needs, and they are seeking a Community Lender responsible for originating and managing both consumer mortgage and commercial loans. This role involves delivering personalized lending solutions and fostering long-term relationships within the community.

Banking

Responsibilities

Originate and process residential mortgage loans, home equity lines, and personal loans

Guide borrowers through application, underwriting, and closing processes

Ensure compliance with consumer lending regulations including Regulation Z, X, B, and the SAFE Act

Maintain knowledge of current mortgage products, rates, and underwriting guidelines

Provide financial education and support to community members, especially first-time homebuyers

Acquire and manage commercial banking relationships for businesses up to $30 million in revenue

Conduct credit analysis, site visits, and portfolio reviews

Structure and document commercial credit transactions to ensure profitability and manage risk

Monitor credit quality and take appropriate action on portfolio performance

Collaborate with underwriters and portfolio managers to facilitate loan decisions

Build and maintain relationships with centers of influence including accountants, attorneys, and community leaders

Attend networking, charity, and civic events to enhance visibility and generate leads

Represent the bank in community functions to promote financial services and outreach

Collaborate with internal teams to promptly resolve client service issues while identifying opportunities to cross-sell bank products

Proactively seek and refer clients for appropriate deposit solutions to enhance overall relationship value

Mentor junior staff such as credit analysts or relationship officers

Coordinate with service providers and vendors, setting expectations and measuring performance

Keeps up to date and complies with all bank policies/procedures as well as applicable banking laws and regulations, including, but not limited to the Bank Secrecy Act, USA Patriot Act, and related anti-money laundering statutes, and federal consumer protection legislation and regulations

Other Duties as assigned

Qualification

Consumer LendingCommercial LendingCredit AnalysisFinancial EducationCompliance KnowledgeRelationship ManagementNetworking

Required

Responsible for originating and managing both consumer mortgage and commercial loans for individuals and businesses within the community