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Check with seller Loan Officer II - Rankin Co Jackson

Published date: April 3, 2022
  • Location: Jackson, Mississippi, United States

At BankPlus, we strive to add value for our employees, customers and shareholders. We are a high-performing TEAM committed to fulfilling promises, building lasting relationships and making dreams come true.

All current BankPlus employees must be in their position for a minimum of 12 months and have a performance rating of Outstanding or High-Performing to be eligible to post for a position.

General Position Statement:
The Loan Officer II is responsible for meeting the banking needs of our customers. This position will be expected to focus on the generation, approval and servicing of customer loans, within acceptable loan risk standards, while adhering to bank policy and regulations. This position is also responsible for the generation of deposit transactions necessary to accommodate loan funding. The incumbent will maintain a loan portfolio with an expected size of $2,500,000 to $7,500,000.

Duties and Responsibilities:
Solicits and develops new business on an ongoing basis by calling on current and prospective customers for the generation of loans and deposits.

Interviews loan applicants and ensures the completion of an accurate loan application.

Evaluates credit data, cash flow, financial statements, and collateral to determine the credit worthiness of applicants. Communicates reason for denial to applicants when their loan request has been denied, as necessary.

Reviews loan renewal requests to ensure continued credit worthiness of the applicant and timely payment of the loan.

Submits loan request memorandums to the loan committee for approval.

Prepares documents for loan processing to include the loan work sheet, loan documentation sheet and loan review sheet.

Responsible for accurately closing the loan which includes:
Reviewing the loan documents for exceptions.

Securing the proper signatures on all documents.

Approving funding of the loan.

Inspecting and evaluating collateral pledged to existing and prospective loans.

Services the loan from loan closing to the date of loan payoff. Ensures customer satisfaction throughout the life of the loans, resolving problems as they arise.

Review the Insufficient Funds (NSF) report on a daily basis, which includes:

Contacting the customer to ensure sufficient funds are available to cover checks submitted for payment.

Encoding the item for payment if sufficient funds can be made available.

Encoding the item to be returned if funds are not available.

Contacts and counsels customers with delinquent accounts, as necessary, by phone or letter to arrange loan payment.

Participates in community affairs to increase the Bank’s visibility and to enhance new and existing business opportunities.

Maintains a thorough knowledge of Bank products, services, policies, procedures

and appropriate regulatory issues as related to daily job functions, including but not limited to: Bank Secrecy Act; Privacy Act; Fair Lending Act; Regulation E, etc. Completes required compliance training and adheres to the Bank’s standard of conduct.

Perform other duties as requested.

Participation in the bank’s High-Performance Rewards Connections Program.

Make referrals to the Mortgage Center and Wealth Management.

Position Requirements:
3 years of similar experience required

Bachelor’s degree preferred

Previous BankPlus product, services, and systems experience preferred

General computer and typing experience Microsoft Office Suite, to include Excel, Work, and Outlook

Driving, and occasional travel, as needed for business purpose

Excellent verbal and written communication skills

Work outside of regular business hours, as deemed necessary

Ability to handle multiple tasks

BankPlus is an Equal Opportunity Employer and does not discriminate in hiring or employment on the basis of race, color, religion, national origin, citizenship, gender, marital status, sexual orientation, age, disability, veteran status, or any other characteristic protected by federal, state, or local law.

We maintain a drug-free workplace and perform pre-employment substance abuse testing.

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