4,901 Consumer Financial jobs in the United States

Consumer Investments - Financial Services Representative
Pennington, New Jersey
**To proceed with your application, you must be at least 18 years of age.**
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At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day. One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We're devoted to being an inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being. We use a multi-faceted approach for flexibility, depending on the various roles in our organization. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us!
At Bank of America, we're creating real, meaningful relationships with individuals and businesses across the country. Each day, we connect with 67 million clients through a growing specialist workforce and our world-class digital platform. With each relationship and connection, we are looking to provide care and guidance for our clients when they need us most - whether they are just starting out, buying a home, building a family or planning for retirement. If you are interested in growing a long-term career and passionate about developing strong relationships with clients, then the Financial Services Representative I is the ideal role for you.
The **Financial Services Representative I** is a foundational role designed to prepare you for your long-term career growth with Bank of America and Merrill. Preparation for the role starts with best-in-class training from our award-winning Academy; along with hands on practice and personalized coaching to develop the knowledge, skills, and behaviors that you will need to be successful. As a FSR I, you will work in a phone-based environment from a Merrill Contact Center. Your responsibilities include delivering point of call servicing and resolution on brokerage accounts, identifying client needs, and a focus on service to sales with existing Merrill clients. You will be providing exceptional client care, growing client relationships, and guiding clients with needs-based solutions that will support their financial goals. The exposure, ongoing support, and feedback that you will receive from leaders, managers and peers will help you determine the best roles and career paths to empower you to achieve your professional goals.
**Job Description:**
This job is responsible for answering detailed questions about products, accounts, and financial services offered. Key responsibilities include educating clients about value-added opportunities, identifying the need for deeper financial conversations, and referring clients to specialists across the bank. Jobs expectations include ensuring client needs are met in a timely fashion while adhering to procedures and guidelines.
**Responsibilities:**
-Delivers exceptional customer service by resolving escalated and complex inquiries and requests pertaining to accounts with care and in a timely manner
-Triages client requests and makes referrals to appropriate internal specialists
-Applies knowledge of financial products, financial planning, and banking services to educate clients on value-added opportunities
**We'll help you:**
-Develop the knowledge and skills you need to deliver world-class client care through the award-winning Bank of America Academy
-Get training and one-on-one coaching from academy managers who are invested in your success
-Build your knowledge of core banking and investment solutions and connect clients toall ofthe solutions we provide
-Develop techniques to confidently engage with clients by telephone
-Continue to learn and grow in a culture where growth and career advancement are a priority
**As a Financial Services Representative I, you can look forward to:**
-Providing a world class client experience through point of call account servicing and resolution
-Working in a well-compensated, highly collaborative environment
-Growing client relationships by understanding needs and presenting services and solutions offered throughout Merrill and Bank of America
**You're the kind of person that (required skills):**
-Is client-focused with a passion for excellence and a positive team attitude
-Is self-motivated, goal-oriented, andhas the ability tomultitask in a fast moving, performance -based environment
-Has the ability to identify clients' needs and find proper solutions to meet those needs by referring sales opportunities to specialist and sales teams
-Is an effective communicator with an aptitude for sales and relationship management
-Has strong computer skills
-Wants to establish a long-term career in the financial services industry at a fast-growing company that rewards hard work and dedication
-Is ambitious, disciplined, hardworking, resilient and willing to learn
-Must be flexible to work any schedule: Sunday to Friday 8am to 9pm CST
**We're a culture that:**
-Believes in responsible growth and is dedicated to supporting the communities we serve
-Provides continuous training and developmental opportunities to help people achieve their goals, whatever their background or experience
-Believes diversity makes us stronger, so we can reflect, connect to and meet the diverse needs of our clients around the world
-Is committed to advancing our tools, technology, and ways of working. We always put our clients first to meet their evolving needs
**Skills:**
-Active Listening
-Attention to Detail
-Critical Thinking
-Customer and Client Focus
-Oral Communications
-Account Management
-Client Experience Branding
-Decision Making
-Emotional Intelligence
-Result Orientation
-Adaptability
-Coaching
-Prioritization
-Referral Identification
-Written Communications
**Shift:**
1st shift (United States of America)
**Hours Per Week:**
40
Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates.
To view the "Know your Rights" poster, CLICK HERE ( .
View the LA County Fair Chance Ordinance ( .
Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment.
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work.
This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.

Description:

Cardinal is a not-for-profit financial cooperative owned by its members. This means that as a credit union member, you are never a customer, but a full partner and owner. The credit union motto “People Helping People” is demonstrated in every transaction that takes place at Cardinal. We promise each member personalized service and individualized financial attention.

Cardinal strives to create a culture supporting ideas and innovation and offers various opportunities for both personal growth and professional development.

Role of Loan Officer:

• Our Loan Officers assist members and potential members with their Credit Union needs.
• Provide account information by phone or in person, as well as information on the full range of credit union products and services.
• Open accounts for members, interview, and professionally handle the member’s daily needs.
• Responsible for interviewing and evaluating applicants for routine loans and processing loan applications.
• Gather background information and analyze loan applicant’s credit history.
• Our Loan Officers provide a variety of transaction services to members including loan processing, closing, and disbursal.
• Meeting minimum performance standards regarding referrals, sales, production, and quality control. Generous incentive program.

Loan Officer Benefits Package:

· Medical, prescription, dental, vision

· Life and long-term disability Insurance, employer paid

· Generous 401(k) plan

· Paid time off and holidays

· Loan discounts

· Tuition reimbursement paid up to 90% per course

· Considerable and substantive internal training on a myriad of banking subjects, member service, professionalism, and best industry practices.

PM22

Requirements:

Job Requirements:

Loan Officer Experience: Six months to two years of similar or related experience.

Loan Officer Education: College degree preferred

Loan Officer Interpersonal Skills: A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and/or is usually of a personal or sensitive nature.

Cardinal Credit Union is an Equal Opportunity and Affirmative Action Employer committed to engaging a diverse workforce and sustaining an inclusive culture. All qualified applicants will receive consideration for employment.

We are a non-smoking work environment.

Compensation details: Yearly Salary

PI4b6e6bb70b

Description:

Cardinal is a not-for-profit financial cooperative owned by its members. This means that as a credit union member, you are never a customer, but a full partner and owner. The credit union motto “People Helping People” is demonstrated in every transaction that takes place at Cardinal. We promise each member personalized service and individualized financial attention.

Cardinal strives to create a culture supporting ideas and innovation and offers various opportunities for both personal growth and professional development.

Role of Loan Officer:

• Our Loan Officers assist members and potential members with their Credit Union needs.
• Provide account information by phone or in person, as well as information on the full range of credit union products and services.
• Open accounts for members, interview, and professionally handle the member’s daily needs.
• Responsible for interviewing and evaluating applicants for routine loans and processing loan applications.
• Gather background information and analyze loan applicant’s credit history.
• Our Loan Officers provide a variety of transaction services to members including loan processing, closing, and disbursal.
• Meeting minimum performance standards regarding referrals, sales, production, and quality control. Generous incentive program.

Loan Officer Benefits Package:

· Medical, prescription, dental, vision

· Life and long-term disability Insurance, employer paid

· Generous 401(k) plan

· Paid time off and holidays

· Loan discounts

· Tuition reimbursement paid up to 90% per course

· Considerable and substantive internal training on a myriad of banking subjects, member service, professionalism, and best industry practices.

PM22

Requirements:

Job Requirements:

Loan Officer Experience: Six months to two years of similar or related experience.

Loan Officer Education: College degree preferred

Loan Officer Interpersonal Skills: A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and/or is usually of a personal or sensitive nature.

Cardinal Credit Union is an Equal Opportunity and Affirmative Action Employer committed to engaging a diverse workforce and sustaining an inclusive culture. All qualified applicants will receive consideration for employment.

We are a non-smoking work environment.

Compensation details: Yearly Salary

PI430bd8ac986b-

We are Lennar Lennar is one of the nation's leading homebuilders, dedicated to making an impact and creating an extraordinary experience for their Homeowners, Communities, and Associates by building quality homes and providing exceptional customer service, giving back to the communities in which we work and live in, and fostering a culture of opportunity and growth for our Associates throughout their career. Lennar has been recognized as a Fortune 500 company and consistently ranked among the top homebuilders in the United States. Join a Company that Empowers you to Build your Future A full-time, outside sales position responsible for seeking and developing relationships for new business sources both internally and externally. Meet with and interview prospective customers, brokers, NHCs, and other referral sources at homebuilding communities or other convenient locations to collect and analyze customer financial information, advise customers on the risks and benefits of various mortgage products, and help select the appropriate loan program within Lennar Mortgage roadmap. Obtain loan applications from customers and work with them to achieve loan approval. * A career with purpose. * A career built on making dreams come true. * A career built on building zero defect homes, cost management, and adherence to schedules. Your Responsibilities on the Team * Support the Company's growth through outside sales activities and lead generation * Travel to various communities, realtors' offices, and other appropriate locations on a regular basis (at least weekly) to solicit new business and/or leads from home builders * Conduct "First Time Homebuyer Seminars" in communities on a regular basis to develop leads and build relationships with New Home Consultants and prospective/current * Travel to and participate in builder and realtor functions, status meetings, phase releases, phone banks, special events, to develop and maintain relationships and customer service * Travel to various communities and other appropriate locations to meet with prospective/current customers, explain the Company's offerings, obtain loan applications and other required documents, and attend closings * Review leads daily and contact prospective customers via telephone and email to set up in-person/virtual meetings * Originate and prepare new loans in accordance with the "Loan Officer" agreement, signed at the time of employment, to ensure all loans meet the guidelines of the Products and Policies manual for upfront * Advise and recommend to the customer regarding the various mortgage loan products based on the customer's individual need * Review interest rates as needed and lock all loans with the borrowers in accordance with the Secondary Marketing Pricing and Rate Lock Policies and Procedures manual, at least fifteen days prior to closing * Provide assistance to New Home Consultants on pre-qualifications of customers to develop a pipeline for outside sales; provide status of loans as needed * Meet or exceed closed loan capture rate, spot loan objectives for the division, and/or other established sales goals as determined by the Division Manager and based on annual business * Maintain reports and notes within origination computer system regarding own prospects and customers to ensure complete exchange of information regarding loan application, loan status, conversations with customers, underwriting, lock in information, monthly projected closings, incentive, and expense Requirements * Four-year college degree (preferred) * At least three years of Loan Originating experience * Ability to maintain flexible work schedule, including evening and weekend work * Valid driver's license and dependable transportation * NMLS License required, or willing to obtain. Life at Lennar At Lennar, Everything's Included in our homes, and Everyone's Included on our team. Our Everyone's Included vision is to unleash the power of diversity within our workforce to drive innovation and sustainable growth. At Lennar, we are committed to fostering a supportive and enriching environment for our Associates, offering a comprehensive array of benefits designed to enhance their well-being and professional growth. Our Associates have access to robust health insurance plans, including Medical, Dental, and Vision coverage, ensuring their health needs are well taken care of. Our 401(k) Retirement Plan, complete with a $1 for $ Company Match up to 5%, helps secure their financial future, while Paid Parental Leave and an Associate Assistance Plan provide essential support during life's critical moments. To further support our Associates, we provide an Education Assistance Program and up to 30,000 in Adoption Assistance, underscoring our commitment to their diverse needs and aspirations. From the moment of hire, they can enjoy up to three weeks of vacation annually, alongside generous Holiday, Sick Leave, and Personal Day policies. Additionally, we offer a New Hire Referral Bonus Program, significant Home Purchase Discounts, and unique opportunities such as the Everyone's Included Day. At Lennar, we believe in investing in our Associates, empowering them to thrive both personally and professionally. Lennar Associates will have access to these benefits as outlined by Lennar's policies and applicable plan terms. Visit Lennartotalrewards.com to view our suite of benefits. Physical & Office/Site Presence Requirements: Regular, in-person attendance at Company communities/job sites and offices during regular work hours is an essential function of this job. Requires the ability to work more than eight hours per day in the confined quarters of a construction trailer, the ability to operate a motor vehicle, read plans, climb stairs and ladders, bend, stoop, reach, lift, move and/or carry equipment which may be in excess of 50 pounds. Job may require occasional operation of construction equipment. Finger dexterity may be required to operate a computer keyboard and calculator. Lennar is an equal opportunity employer and complies with all applicable federal, state, and local fair employment practices laws. * This information is intended to be a general overview and may be modified by the company due to factors affecting the business. General Overview of Compensation & Benefits: * This position may be eligible for bonuses. * This position may be eligible for commissions. * This position will be eligible for the described benefits listed in the above section in accordance with Company Policy. * This information is intended to be a general overview and may be modified by the Company due to factors affecting the business. Life at Lennar At Lennar, we are committed to fostering a supportive and enriching environment for our Associates, offering a comprehensive array of benefits designed to enhance their well-being and professional growth. Our Associates have access to robust health insurance plans, including Medical, Dental, and Vision coverage, ensuring their health needs are well taken care of. Our 401(k) Retirement Plan, complete with a 1 for 1 Company Match up to 5%, helps secure their financial future, while Paid Parental Leave and an Associate Assistance Plan provide essential support during life's critical moments. To further support our Associates, we provide an Education Assistance Program and up to 30,000 in Adoption Assistance, underscoring our commitment to their diverse needs and aspirations. From the moment of hire, they can enjoy up to three weeks of vacation annually, alongside generous Holiday, Sick Leave, and Personal Day policies. Additionally, we offer a New Hire Referral Bonus Program, significant Home Purchase Discounts, and unique opportunities such as the Everyone's Included Day. At Lennar, we believe in investing in our Associates, empowering them to thrive both personally and professionally. Lennar Associates will have access to these benefits as outlined by Lennar's policies and applicable plan terms. Visit Lennartotalrewards.com to view our suite of benefits. Join the fun and follow us on social media to see what's happening at our company, and don't forget to connect with us on Lennar: Overview | LinkedIn<

We are Lennar Lennar is one of the nation's leading homebuilders, dedicated to making an impact and creating an extraordinary experience for their Homeowners, Communities, and Associates by building quality homes and providing exceptional customer service, giving back to the communities in which we work and live in, and fostering a culture of opportunity and growth for our Associates throughout their career. Lennar has been recognized as a Fortune 500 company and consistently ranked among the top homebuilders in the United States. Join a Company that Empowers you to Build your Future A full-time, outside sales position responsible for seeking and developing relationships for new business sources both internally and externally. Meet with and interview prospective customers, brokers, NHCs, and other referral sources at homebuilding communities or other convenient locations to collect and analyze customer financial information, advise customers on the risks and benefits of various mortgage products, and help select the appropriate loan program within Lennar Mortgage roadmap. Obtain loan applications from customers and work with them to achieve loan approval. * A career with purpose. * A career built on making dreams come true. * A career built on building zero defect homes, cost management, and adherence to schedules. Your Responsibilities on the Team * Support the Company's growth through outside sales activities and lead generation * Travel to various communities, realtors' offices, and other appropriate locations on a regular basis (at least weekly) to solicit new business and/or leads from home builders * Conduct "First Time Homebuyer Seminars" in communities on a regular basis to develop leads and build relationships with New Home Consultants and prospective/current * Travel to and participate in builder and realtor functions, status meetings, phase releases, phone banks, special events, to develop and maintain relationships and customer service * Travel to various communities and other appropriate locations to meet with prospective/current customers, explain the Company's offerings, obtain loan applications and other required documents, and attend closings * Review leads daily and contact prospective customers via telephone and email to set up in-person/virtual meetings * Originate and prepare new loans in accordance with the "Loan Officer" agreement, signed at the time of employment, to ensure all loans meet the guidelines of the Products and Policies manual for upfront * Advise and recommend to the customer regarding the various mortgage loan products based on the customer's individual need * Review interest rates as needed and lock all loans with the borrowers in accordance with the Secondary Marketing Pricing and Rate Lock Policies and Procedures manual, at least fifteen days prior to closing * Provide assistance to New Home Consultants on pre-qualifications of customers to develop a pipeline for outside sales; provide status of loans as needed * Meet or exceed closed loan capture rate, spot loan objectives for the division, and/or other established sales goals as determined by the Division Manager and based on annual business * Maintain reports and notes within origination computer system regarding own prospects and customers to ensure complete exchange of information regarding loan application, loan status, conversations with customers, underwriting, lock in information, monthly projected closings, incentive, and expense Requirements * Four-year college degree (preferred) * At least three years of Loan Originating experience * Ability to maintain flexible work schedule, including evening and weekend work * Valid driver's license and dependable transportation * NMLS License required, or willing to obtain. Life at Lennar At Lennar, Everything's Included in our homes, and Everyone's Included on our team. Our Everyone's Included vision is to unleash the power of diversity within our workforce to drive innovation and sustainable growth. At Lennar, we are committed to fostering a supportive and enriching environment for our Associates, offering a comprehensive array of benefits designed to enhance their well-being and professional growth. Our Associates have access to robust health insurance plans, including Medical, Dental, and Vision coverage, ensuring their health needs are well taken care of. Our 401(k) Retirement Plan, complete with a $1 for $ Company Match up to 5%, helps secure their financial future, while Paid Parental Leave and an Associate Assistance Plan provide essential support during life's critical moments. To further support our Associates, we provide an Education Assistance Program and up to 30,000 in Adoption Assistance, underscoring our commitment to their diverse needs and aspirations. From the moment of hire, they can enjoy up to three weeks of vacation annually, alongside generous Holiday, Sick Leave, and Personal Day policies. Additionally, we offer a New Hire Referral Bonus Program, significant Home Purchase Discounts, and unique opportunities such as the Everyone's Included Day. At Lennar, we believe in investing in our Associates, empowering them to thrive both personally and professionally. Lennar Associates will have access to these benefits as outlined by Lennar's policies and applicable plan terms. Visit Lennartotalrewards.com to view our suite of benefits. Physical & Office/Site Presence Requirements: Regular, in-person attendance at Company communities/job sites and offices during regular work hours is an essential function of this job. Requires the ability to work more than eight hours per day in the confined quarters of a construction trailer, the ability to operate a motor vehicle, read plans, climb stairs and ladders, bend, stoop, reach, lift, move and/or carry equipment which may be in excess of 50 pounds. Job may require occasional operation of construction equipment. Finger dexterity may be required to operate a computer keyboard and calculator. #LI-CC1 #CB Lennar is an equal opportunity employer and complies with all applicable federal, state, and local fair employment practices laws. Life at Lennar At Lennar, we are committed to fostering a supportive and enriching environment for our Associates, offering a comprehensive array of benefits designed to enhance their well-being and professional growth. Our Associates have access to robust health insurance plans, including Medical, Dental, and Vision coverage, ensuring their health needs are well taken care of. Our 401(k) Retirement Plan, complete with a 1 for 1 Company Match up to 5%, helps secure their financial future, while Paid Parental Leave and an Associate Assistance Plan provide essential support during life's critical moments. To further support our Associates, we provide an Education Assistance Program and up to 30,000 in Adoption Assistance, underscoring our commitment to their diverse needs and aspirations. From the moment of hire, they can enjoy up to three weeks of vacation annually, alongside generous Holiday, Sick Leave, and Personal Day policies. Additionally, we offer a New Hire Referral Bonus Program, significant Home Purchase Discounts, and unique opportunities such as the Everyone's Included Day. At Lennar, we believe in investing in our Associates, empowering them to thrive both personally and professionally. Lennar Associates will have access to these benefits as outlined by Lennar's policies and applicable plan terms. Visit Lennartotalrewards.com to view our suite of benefits. Join the fun and follow us on social media to see what's happening at our company, and don't forget to connect with us on Lennar: Overview | LinkedIn<

Description
Are you a driven professional with a strong background in sales or banking, looking to take the next step in your career? We're seeking a motivated individual to join our team as a Loan Officer. No prior lending experience is required-we're willing to train the right candidate who brings a solid foundation in customer service, financial acumen, and a genuine interest in learning the lending process.
What You'll Do:
- Build relationships with clients to understand their financial needs and offer tailored loan solutions
- Guide applicants through the loan process from initial inquiry to closing
- Collaborate with internal teams to ensure timely and accurate loan processing
- Maintain knowledge of lending products, policies, and compliance requirements
- Develop new business through networking, referrals, and community engagement
What We're Looking For:
- Proven experience in sales, banking, or customer-facing financial services
- Strong communication and interpersonal skills
- High level of initiative and willingness to learn lending practices
- Detail-oriented with strong organizational skills
- Ability to thrive in a fast-paced, goal-driven environment
Why Join Us:
- Comprehensive training and mentorship from experienced lending professionals
- Supportive team environment with opportunities for growth
- Competitive compensation and benefits package
- Make a meaningful impact by helping individuals and families achieve their financial goals
If you're ready to grow your career in lending and have the drive to succeed, we'd love to hear from you. Apply today and take the first step toward becoming a trusted Loan Officer in your community
Requirements - Proven experience in Banking Services and handling Banking Transactions
- Solid understanding of Finance and Loan Administration
- Demonstrated expertise in Loans, both Commercial and Consumer
- Experience in managing Secured and Unsecured Loans
- Proficiency in Mortgage Banking and Mortgage Financing - Lending
- Ability to analyze financial data and comprehend market trends
- Excellent customer service and communication skills
- Strong decision-making skills and the ability to work under pressure
- Ability to meet sales targets and production goals
- Familiarity with industry compliance and regulatory standards.
Robert Half is the world's first and largest specialized talent solutions firm that connects highly qualified job seekers to opportunities at great companies. We offer contract, temporary and permanent placement solutions for finance and accounting, technology, marketing and creative, legal, and administrative and customer support roles.
Robert Half works to put you in the best position to succeed. We provide access to top jobs, competitive compensation and benefits, and free online training. Stay on top of every opportunity - whenever you choose - even on the go. Download the Robert Half app ( and get 1-tap apply, notifications of AI-matched jobs, and much more.
All applicants applying for U.S. job openings must be legally authorized to work in the United States. Benefits are available to contract/temporary professionals, including medical, vision, dental, and life and disability insurance. Hired contract/temporary professionals are also eligible to enroll in our company 401(k) plan. Visit roberthalf.gobenefits.net for more information.
© 2025 Robert Half. An Equal Opportunity Employer. M/F/Disability/Veterans. By clicking "Apply Now," you're agreeing to Robert Half's Terms of Use ( .

**Loan Officer**
**Job Details**
**Job Location**
Chattanooga Branch - Chattanooga, TN
**Position Type**
Full Time
**Description**
**BASIC FUNCTION:**
Evaluate, authorize, or recommend approval of commercial and/or consumer loans. Advise borrowers on financial status and payment methods.
**ESSENTIAL FUNCTIONS:**
+ Meet with applicants to obtain information for loan applications, complete information on loan forms and answer questions about the process.
+ Analyze the applicants financial status, credit history, and any collateral available including the use of property evaluations to determine feasibility of granting or denying loans and evaluating the degree of financial risk.
+ Obtain and compile copies of the loan applicants credit histories, corporate financial statements, and other financial information for proper documentation.
+ Explain to customers the different types of loans that are available, as well as the terms of those options.
+ Review loan agreements to ensure that they are complete and accurate according to compliance standards.
+ Approve loans within specified limits and refer loan applications outside those limits to management for approval; May require making presentations on financial matters.
+ Stay abreast of new types of loans and other financial services and products to better meet the customers needs.
+ Document, record and update information in credit and loan files.
+ Submit applications to credit analysts for verification and recommendation.
+ Negotiate payment arrangements with customers and compute payment schedules.
+ Analyze potential loan markets and develop referral networks to locate prospects for loans.
+ Work with other departments in the bank to make sure all accounts are in good standing and when accounts are delinquent make informative decisions on what must be paid to best suit the customer and the bank.
+ Collect on past due and/or charged off loans or accounts as needed.
+ Handle customer complaints and take appropriate action to resolve them.
+ Work directly with the public establishing and maintaining interpersonal relationships; communicating with persons outside the organization to build relationships.
+ Develop objectives and strategies to best perform job functions.
+ Organize, plan, and prioritize workload to achieve job functions.
**ADDITIONAL RESPONSIBILITIES:**
+ We encourage our employees to become involved in their communities, lending their voluntary support to programs that positively impact the quality of life within these communities and help SEB build connections with these organizations and the public.
+ Cross sell SEB products and services.
**SKILLS, KNOWLEDGE, AND TRAINING:**
+ Ability to communicate effectively with loan processors and loan underwriters.
+ Understand the implications of new information for both current and future problem-solving and decision-making.
+ Use logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems.
+ Ability to talk to others to convey information effectively, face to face as well as in writing, as appropriate for the needs of the audience.
+ Identify complex problems and review related information to develop and evaluate options and implement solutions.
+ Consider the relative costs and benefits of potential actions to choose the most appropriate one.
+ Determine how a system should work and how changes in conditions, operations, and the environment will affect outcomes.
+ In-depth knowledge of processes, procedures and regulations for collections, bankruptcies, repossessions, and foreclosures.
+ Knowledge with computer technology including, but not limited to, Word, Excel, Power Point, E-Mail, and Internet Navigation.
+ Knowledge of business and management principles.
+ Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.
+ Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.
+ Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.
+ Knowledge of laws, legal codes, court procedures, precedents, government regulations, legal guidelines, executive orders, and agency rules as it pertains to banking in general and lending in particular.
**REQUIREMENTS:**
+ 3-5 years ofcommercial lending experience, required.
+ Bachelors degree in Finance, Business, or Economics, preferred.
+ 1 year of customer service experience, preferred.
+ Combination of education and experience, preferred.
+ Must be able to work with all levels of senior management.
+ Maintain up-to-date knowledge of and adhere to all state and federal regulations that pertain to this position including but not limited to Bank Secrecy Act, Consumer Privacy and Fair Lending.
+ Working knowledge of state and federal regulations including but not limited to Bank Secrecy Act, Consumer Privacy and Fair Lending along with industry best practices that pertain to this position.
SouthEast Bank is an equal opportunity employer. It is our policy to treat all individuals equally, regardless of race, color, religion, sex, gender, national origin, disability, age, genetic information, sexual orientation, transgender/gender identity, sexual preference, or service in the armed forces.

**Loan Officer**
**Job Details**
**Job Location**
Ooltewah Branch - Oolewah, TN
**Position Type**
Full Time
**Description**
**BASIC FUNCTION:**
Evaluate, authorize, or recommend approval of commercial and/or consumer loans. Advise borrowers on financial status and payment methods.
**ESSENTIAL FUNCTIONS:**
+ Meet with applicants to obtain information for loan applications, complete information on loan forms and answer questions about the process.
+ Analyze the applicants financial status, credit history, and any collateral available including the use of property evaluations to determine feasibility of granting or denying loans and evaluating the degree of financial risk.
+ Obtain and compile copies of the loan applicants credit histories, corporate financial statements, and other financial information for proper documentation.
+ Explain to customers the different types of loans that are available, as well as the terms of those options.
+ Review loan agreements to ensure that they are complete and accurate according to compliance standards.
+ Approve loans within specified limits and refer loan applications outside those limits to management for approval; May require making presentations on financial matters.
+ Stay abreast of new types of loans and other financial services and products to better meet the customers needs.
+ Document, record and update information in credit and loan files.
+ Submit applications to credit analysts for verification and recommendation.
+ Negotiate payment arrangements with customers and compute payment schedules.
+ Analyze potential loan markets and develop referral networks to locate prospects for loans.
+ Work with other departments in the bank to make sure all accounts are in good standing and when accounts are delinquent make informative decisions on what must be paid to best suit the customer and the bank.
+ Collect on past due and/or charged off loans or accounts as needed.
+ Handle customer complaints and take appropriate action to resolve them.
+ Work directly with the public establishing and maintaining interpersonal relationships; communicating with persons outside the organization to build relationships.
+ Develop objectives and strategies to best perform job functions.
+ Organize, plan, and prioritize workload to achieve job functions.
**ADDITIONAL RESPONSIBILITIES:**
+ We encourage our employees to become involved in their communities, lending their voluntary support to programs that positively impact the quality of life within these communities and help SEB build connections with these organizations and the public.
+ Cross sell SEB products and services.
**SKILLS, KNOWLEDGE, AND TRAINING:**
+ Ability to communicate effectively with loan processors and loan underwriters.
+ Understand the implications of new information for both current and future problem-solving and decision-making.
+ Use logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems.
+ Ability to talk to others to convey information effectively, face to face as well as in writing, as appropriate for the needs of the audience.
+ Identify complex problems and review related information to develop and evaluate options and implement solutions.
+ Consider the relative costs and benefits of potential actions to choose the most appropriate one.
+ Determine how a system should work and how changes in conditions, operations, and the environment will affect outcomes.
+ In-depth knowledge of processes, procedures and regulations for collections, bankruptcies, repossessions, and foreclosures.
+ Knowledge with computer technology including, but not limited to, Word, Excel, Power Point, E-Mail, and Internet Navigation.
+ Knowledge of business and management principles.
+ Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.
+ Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.
+ Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.
+ Knowledge of laws, legal codes, court procedures, precedents, government regulations, legal guidelines, executive orders, and agency rules as it pertains to banking in general and lending in particular.
**REQUIREMENTS:**
+ 3-5 years ofcommercial lending experience, required.
+ Bachelors degree in Finance, Business, or Economics, preferred.
+ 1 year of customer service experience, preferred.
+ Combination of education and experience, preferred.
+ Must be able to work with all levels of senior management.
+ Maintain up-to-date knowledge of and adhere to all state and federal regulations that pertain to this position including but not limited to Bank Secrecy Act, Consumer Privacy and Fair Lending.
+ Working knowledge of state and federal regulations including but not limited to Bank Secrecy Act, Consumer Privacy and Fair Lending along with industry best practices that pertain to this position.
SouthEast Bank is an equal opportunity employer. It is our policy to treat all individuals equally, regardless of race, color, religion, sex, gender, national origin, disability, age, genetic information, sexual orientation, transgender/gender identity, sexual preference, or service in the armed forces.