Consumer Loan Officer at Phoenix

Alliance Bank of Arizona has an immediate opening for a Consumer Loan Officer. The Consumer Loan Officer is responsible for soliciting, negotiating, underwriting and coordinating the closing of all authorized consumer home equity loan and line of credit products in compliance with the Bank’s lending policies and procedures.  Position coordinates compliance issues and periodic updates of application and disclosure forms with the bank’s Compliance Department.  Supports equity loan applications for relationship customers referred by commercial loan officers and branches.  Closes or coordinates closings for approved equity loan transactions. 

Specific responsibilities include:

• Underwrites equity products in accordance with bank policies and credit standards.
• Gathers and analyzes all information necessary to present equity credit requests over the departments lending limit to Loan Committee or higher level of senior management for approval;
• Meets with existing or potential customers; negotiates loan terms and conditions; approves loans within established lending limits or refers and recommends approval to the appropriate next level of authority.
• Coordinates processing of approved loans with support staff in Consumer Loan Department and Loan Operations to ensure loans are processed in accordance with bank customer service standards and commitments made to applicants.
• Insures that credit inquires, UCC searches and filings, title insurance policies and appraisals or other authorized real property valuators are reviewed and corrected to comply with bank policies, credit standards and collateral requirements. 
• Ensures that perfection and satisfaction of collateral liens are completed accurately in a timely manner.
• Negotiates, underwrites and processes renewals of credit facilities.
• Approves draws from lines of credit when required, and funds transfers within designated authorities.

 Requirements

These specifications are general guidelines based on the minimum experience normally considered essential to the successful performance of this position. 

• Bachelor’s degree (BA) or equivalent from a four (4) year college or university and four (4) or more years of related experience and/or training.
• Advanced experience, knowledge and training in all lending activities and terminology.
• Advanced knowledge of real estate secured consumer loan processing.
• Advanced knowledge of related state and federal lending and compliance regulations, and other Bank lending policies.
• Ability to develop marketing and business development skills with customers.
• Effective oral, written and interpersonal communication skills Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.

Country: USA, State: Arizona, City: Phoenix, Company: Alliance Bank of Arizona.