Real Estate Loan Officer

Description

Iowa State Bank is seeking a candidate who is has an understanding of the local community dynamics and existing relationships with local residents and business owners. Candidate responsible for making and servicing loan activity for (consumer or real estate) loans. Assists management in making recommendations to overall loan objective, policies and procedures. Every transaction should be viewed as an opportunity for new business development by making the customer aware of any product or service that may be of benefit to them. In addition to one-on-one contact, customer referrals will be made on an on-going basis as an integral part of the sales process, enabling Iowa State Bank to further develop relationship banking. 

Requirements

• Visit and solicit “prospective” clients and referral partners to develop new business.
• Represent the bank in a variety of community activities.
• Visit existing customers and referral partners to develop long-term relationships.
• Receive and process loan applications using all available programs.
• Collect customer information regarding income, assets, investments, or debts. 
• Work closely with underwriter to determine which financial product best meets the customer’s needs and the conditions for loan approval.
• Advise customers regarding their financial position.
• Identify potential risks that can lead to past due loans and default and collect on loans.
• Service existing customer mortgage loans.
• Ensure compliance with mortgage loan regulations.
• Cross sell bank products and services and make referrals to other bank personnel.
• Assist management with research, development and implementation of new products, or special projects and committees.
• May be asked to travel to other branch locations to assist in loan officer duties as needed to ensure adequate coverage.
• Work with branch manager on branch goals and ensure branch coverage.
•  Maintains advanced knowledge and awareness of financial and economical industry status and trends.
• Actively upholds the organization’s vision, mission and values, encompassing mutual respect, honoring commitments, working with integrity and accepting responsibility for own actions.
• Demonstrates knowledge of and adherence to EEO policy, shows respect and sensitivity for cultural differences, promotes working environment free of harassment of any type.
• Assures compliance with all Bank policies and procedures, as well as all applicable state and federal banking regulations.
• Has a strong commitment and dedication to internal and external customer service.
• Accepts other responsibilities as assigned to help embrace ISB’s values.

Benefits:

Full time benefits to include:

Health

Dental 

Vision

Employer HSA Contribution

Paid Time Off

Volunteer Time Off

401K with Employer match

Paid STD, LTD

Paid Employee Life Insurance

Parental Leave

Employee Assistance Program