Summary Examines, evaluates, and authorizes or recommends approval of customer applications for residential real estate loans by performing the following duties.

 Essential Duties and Responsibilities include the following. Other duties may be assigned.

• Interviews applicant and requests specified information for loan application.
• Requests property appraisals, applicant credit reports, background checks, reference checks, and other information pertinent to loan applicant's evaluation.
• Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan or submits application to credit analyst for verification and recommendation.
• Compiles loan package and facilitates negotiation with applicant according to establishment standards, such as fees, loan repayment options, and other credit terms.
• Ensures loan agreements are complete and accurate according to policy.
• Assures timely loan closing and funding activities.
• Identifies and analyzes potential loan markets to develop prospects for residential real estate loans.
• Advises loan manager of external factors that may affect establishment lending policies, such as new or revised legislation and regulations. Recommends and implements appropriate changes to establishment policies and procedures.
• Promotes and cross-sells other establishment products and services as appropriate to customer requirements.
• Provides loan data to support marketing and sales promotion programs.

• Assists customers with inquiries and information requests, and resolves complaints relating to loan products and services offered.

Competencies                                           

To perform the job successfully, an individual should demonstrate the following competencies :

Customer Service - Manages difficult or emotional customer situations; Responds promptly to customer needs; Solicits customer feedback to improve service ; Responds to requests for service and assistance; Meets commitments.

Interpersonal Skills - Focuses on solving conflict, not blaming; Maintains confidentiality; Listens to others without interrupting; Keeps emotions under control; Remains open to others' ideas and tries new things.

Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position; Accepts responsibility for own actions; Follows through on commitments.

Education and/or Experience                                                 

Bachelor's degree (B. A.) from four-year college or university; or one to two years related experience and/or training; or equivalent combination of education and experience.