Position General Responsibilities: Generate and administer a high quality Consumer Loan Portfolio consistent with established lending policies. Education, Experience and Certification Requirements Note: Only minimum responsibilities are listed. Other responsibilities may be required as requested by management. Basic Qualifications: + Strong commitment to providing exceptional customer service. + 4 years business related college degree and/or equivalent experience. + 1-3 years consumer underwriting and/or lending experience. + Strong credit analysis and decision making skills. + Strong time-management skills with ability to work independently and to prioritize multiple tasks. + Strong communication computer skills. Preferred Qualifications: + Previous lending/underwriting experience. + Previous Bank and/or sales experience helpful. Dimension of Job: Responsible for Consumer Loan Portfolio. Will have extensive public or telephone contact and is to conduct relationships in a manner that will enhance the overall marketing effort of the Bank. This position may be called upon to call (telephone, personal visit or letter) on customers or prospective customers and/or to participate with community organizations and community projects. Position Specific Responsibilities, Duties and Competencies 1. Consumer Lending Functions (Consumer, Student Loans and Credit Cards): + Maintain an extensive knowledge of loan and non-deposit services by studying product information, bulletins, regulations and updates. Attend periodic training sessions and stay abreast of new procedures, marketing techniques, rules and regulations. + Understanding and compliance with SB/SFC lending policies and procedures and documentation of consumer loans. + Origination of new and renewal consumer loans. + Lien filings and insurance follow-up. + Responsible for regulatory compliance – all consumer loans. + Credit card lending and overdraft protection. Review and make credit decisions on new applications. + Review lines of credit for potential increase, decrease or adverse action. + Student Loans – have knowledge of MGSLP and MHESAC. + Train back-up in Consumer Lending when directed. 2. Loan Administration: + Supervision of consumer loans collection procedures. + Direct contact with delinquent borrowers. + Recommendations for definite plans of action for collection of difficult accounts. + Regular reporting of delinquent loans and loans in jeopardy. + Monitor past due totals and percentages and report to Senior Management. + Supervision and record keeping of property held for resale. + Develop and implement disposal plans. + Adherence to loan limits. + New Business Development, New Product Development and Marketing: + Responsible for generating new consumer loan business, employee advantage and direct deposit. + Regular contact with merchants who might refer business to Stockman Bank. + Call on prospective direct loan customers. + Refer potential customer to other Bank personnel as appropriate. + Loan activity should be covered by insurance products when applicable. + Assist with development of new programs and products for consumer loan customers. + New ideas for generation of income. + Monitor our competition as to rates and prices. + Assistance with information of price changes.