Job Summary:

The Retail Loan Originations Officer will oversee the origination of direct loan products, ensuring loan quality and superior customer service.

Supervisory Responsibilities:

• Interviews, hires, and trains employees.
• Oversees the daily workflow of the retail lending department.

Duties/Responsibilities:

• Manages the underwriting of direct products including personal lines of credit, home equity products, home improvement loans, and secured and unsecured loans.
• Evaluates credit recommendations prepared by credit analysts for accuracy and consistency.
• Establishes underwriting standards and ensures that standards are followed by retail lending and branch employees.
• Ensures compliance with federal and state regulations in underwriting retail lending products.
• Builds and maintains relationships with external vendors.
• Performs other duties as assigned.

Required Skills/Abilities:

• Excellent verbal and written communication skills.
• Extensive knowledge of lending regulations, lien laws, and loan documentation.
• Excellent organizational skills and attention to detail.
• Strong analytical and problem-solving skills, particularly with complex financial information.
• Proficient with Microsoft Office Suite or similar software.

Education and Experience:

• Bachelors degree in Accounting, Business Administration, or related field required.
• Three to five years of experience in consumer lending required with management experience highly preferred.

Physical Requirements:

• Prolonged periods of sitting at a desk and working on a computer.
• Must be able to lift up to 15 pounds at a time.