Can Filling And Closing Machine Tender Job Description Sample
PrivateBancorp, Inc. through its subsidiaries, delivers customized business and personal financial services to middle-market companies, as well as business owners, executives, entrepreneurs and families in all of the markets and communities we serve. We provide a comprehensive benefit package including paid vacation and holidays, 401(k) with employer match, insurance and EAP.
Please visit our web site www.theprivatebank.com to learn more about The PrivateBank and Trust Company and PrivateBancorp, Inc. listed on NASDAQ PVTB. The PrivateBank is an Equal Opportunity Employer M/F/Disability/Veteran This position is a commission-based outside mortgage loan originator. The candidate will be expected to produce residential 1st and 2nd mortgage loans, either for purchase, refinance or new construction, in compliance with Bank and/or investor guidelines.
They will take direction from the Market Sales Manager with regard to new business generation activities, and will interface internally with Bank staff and externally with Realtors, CPA’s and other professionals. The LO’s role is to assist prospective clients in obtaining financing for residential real estate, using 1st and 2nd mortgage loans, either for purchase, refinance or new construction. They must be able to execute on the following:
Understand secondary market underwriting and pricing guidelines, as well as Bank policy and procedure, and deliver profitable loans that meet these guidelines.
Develop loan production from external sources including CPAs, attorneys, and Realtors, while making introductions of these sources and clients back to the appropriate Bank partner.
Partner with internal staff, including commercial and consumer bankers, to support the cross-sell objectives of each group and deliver high quality service to the Bank’s clients and prospects.
Originate salable loans by taking applications on our LOS system, collecting appropriate documentation, submitting the loan request to underwriting, and assisting in closing the transaction. 5+ years of Mortgage banking sales experience Microsoft Office Software Loan Origination Software ID: 2017-4325 External Company Name: CIBC US External Company URL: https://us.cibc.com
Lender Relations Specialist
- Duties Help
Summary Are you excited by the idea of helping to support
$39 billion in small business financing and setting proper conditions to stimulate America's economic growth? SBA has been a leader in small business development for more than 60 years. In an increasingly globalized economy, we tackle challenges confronted by the small business community across geographic boundaries. Although times have changed since the SBA was founded in 1953, the Agency's mission-to promote the growth of small business-has not. Today, SBA is more vital than ever. We work in collaboration with partner organizations and using cutting-edge technologies and well-tested best practices to multiply our impact on small businesses. America's 28 million small businesses are the engine of job creation and economic growth in this country, creating nearly two out of every three new jobs in the United States and employing over half the nation's workforce. SBA ensures that these businesses have the tools and resources required to start and expand their operations, and create jobs that support a growing economy and strengthen America's middle class. The SBA and entrepreneurs drive American competitiveness and help grow the economy. Picture yourself at SBA. This is a bargaining unit position. This is not a (drug) testing designated position (TDP). This position is located in the Small Business Administration, Office of Field Operations
- Region VII in Kansas City, Missouri. The incumbent will collaborate with public and private sector agencies, organizations, and individuals to ensure that identified underserved communities have knowledge of and access to SBA and other federal, state, and community programs and resources that support entrepreneurs and small businesses. Learn more about this agency
Market all SBA lending programs and service through outreach and marketing.
Conduct outreach, training, education, development, lender recruitment, consultation and working with assigned lenders in the District, * Conduct face-to-face visits with individual lending institution for the purpose of delivering SBA loan programs and services in the District
Conduct or participate in training sessions designed to ensure SBA programs and services are optimized in the various financial organizations served by the District.
Provide assistance through consultative and customer interactions with lenders.
The incumbent of the position could be assigned various local market duties to be determined upon the selection and strengths of the individual.
Travel Required Occasional travel
- You may be expected to travel for this position.
Supervisory status No
12 ### Who May Apply
This job is open to
… Status Candidates and VEOA Eligibles Questions? This job is open to 2 groups. * #### Job family (Series) 1101 General Business And Industry
- Requirements Help
Conditions of Employment
You must be a U.S. Citizen
You must successfully complete a background investigation.
You may be required to serve a one-year probationary period.
SUITABILITY, CLEARANCE & REQUIREMENTS: A background investigation may be required for all new hires. Appointment will be subject to the applicant's successful completion of a background investigation and favorable adjudication. Failure to successfully meet these requirements will be grounds for termination. CTAP/ICTAP APPLICANTS: If you are applying for a special selection priority under SBA's Career Transition Assistance Plan (open to surplus SBA employees only) or the Interagency Career Transition Assistance Program (open to surplus and displaced Federal employees), you must submit proof of eligibility. Information about CTAP and ICTAP eligibility is on OPM's Career Transition Resources website at: CTAP/ICTAP. ### Qualifications GS-12: One year of specialized experience (equivalent to the GS-11 grade level in the Federal service) obtained in either the private or public sector which has demonstrated experience working independently in commercial or business loan proposal development, packaging, structuring; marketing lending programs and services to external customers through outreach activities; conducting formal training or professional development; the growth and development of a customer base; and in using a variety of software applications and technologies in all aspects of the job. Additional information on the qualification requirements is outlined in the OPM Qualifications Standards Handbook of General Schedule Positions. It is available for your review on OPM's Qualifications web site. Experience refers to paid and unpaid experience, including volunteer work done through National Service programs (e.g. Peace Corps, AmeriCorps) and other organizations (e.g., professional; philanthropic; religious; spiritual; community, student, social). Volunteer work helps build critical competencies, knowledge, and skills and can provide valuable training and experience that translates directly to paid employment. You will receive credit for all qualifying experience, including volunteer experience. TIME-IN-GRADE: If you are a current career or career-conditional federal employee applying for promotion under Merit Promotion you must have completed a minimum of 52 weeks in positions at the next level lower than the position being filled All qualification requirements must be met by 11:59 pm (Eastern Time) on 11/24/2017 of this vacancy announcement. ### Education Education may not be substituted for experience for this position.
Additional information Selective Service:
If you are a male applicant born after December 31, 1959, you must certify that you have registered with the Selective Service System, or are exempt from having to do so under the Selective Service Law. For additional information visit www.sss.gov. Consistent with work requirements and current SBA Policy, and all applicable provisions of the collective bargaining agreement with AFGE the SBA offers employees opportunities to perform work at an alternative location (e.g. home). Telework may be available. For information on Telework visit: http://www.telework.gov/ Additional vacancies may be filled from this vacancy announcement if additional vacancies occur within 180 days of the closing date.
OTHER EVALUATIONS: The Small Business Administration is committed to building a high-performing, 21st century workforce that possesses the following core attributes: cultural astuteness, technological proficiency, articulate, strong writing capabilities, superior conflict resolution skills, and exceptional presentation skills. Candidates should be prepared as they may be further evaluated on these attributes throughout the application and selection process. Read more
How You Will Be Evaluated You will be evaluated for this job based on how well you meet the qualifications above
. Applicants meeting basic eligibility requirements will be further evaluated based on the information provided in the Occupational Questionnaire. To preview this questionnaire, click on the following link: https://apply.usastaffing.gov/ViewQuestionnaire/10078820. You will be rated based on your responses to the occupational questionnaire. The occupational questions relate to the following Competencies required to do the work of this position:
Education and Training
Writing Read more
Background checks and security clearance
Security clearance Public Trust
- Background Investigation
- Required Documents Help
1.Your Resume - must contain the following information:
Name, address, telephone number, email address;
Supervisor's contact information, if available (indicate if you would prefer to be notified before your supervisor is contacted); * Job Title (if Federal Service, provide series and grade; if not in GS plan, provide GS equivalent grade); * If qualifying based on related unpaid (e.g. volunteer service) experience, you must provide hours worked per week and beginning/ending dates (mm/dd/yyyy to mm/dd/yyyy); * If other than full time you must provide hours worked per week.
An integral part of our selection process includes the completion of reference checks.
Please provide the names and telephone numbers of three professional references (e.g., current and/or former supervisors, college or university professors, managers or coordinators of volunteer activities, etc.) who know your qualifications relative to this position and who we can contact to verify your credentials. Do not list personal friends or relatives. * PLEASE BE CLEAR AND SPECIFIC. WE WILL NOT MAKE ASSUMPTIONS REGARDING YOUR EXPERIENCE. If your resume/application does not support your questionnaire answers, we will not allow credit for your response(s). Your resume must contain sufficiently detailed information upon which to make a qualification determination. Please ensure that your resume contains specific information such as position titles, beginning and ending dates (mm/dd/yyyy - mm/dd/yyyy) of employment for each position, average number of hours worked per week, and if the position is/was in the Federal government, you should provide the position series and grade level. * Should you submit multiple resumes, only the latest uploaded resume will be reviewed. 2. A complete Occupational Questionnaire 3. In addition to the online application (resume and responses to the occupational questionnaire), you are required to submit the following forms, if applicable. It is the responsibility of the applicant to ensure all documents are legible:
- Federal employees must submit proof of your permanent career/career-conditional competitive status ("1" or "2" in Tenure, block 24 and "1" in Position Occupied, block 34). Submit SF-50 showing current grade and tenure and an SF-50 showing highest (permanent) grade ever held, if different.
NOTE: An award or detail SF-50 will not be accepted as proof of status.
If you are using education as a substitution for experience (the announcement will state whether this is allowed), or if there is an educational requirement for this position, you must submit a copy of your transcripts (unofficial or official) that clearly describes your qualifying education;
If you are claiming Veteran status, you must submit a copy of all required documents to support your claim (to include member 4 copy of your DD-214 showing character of service)--see VetGuide;
To receive consideration for a special appointment authority (30%, severely disabled, Peace Corps, ICTAP, VRA), you must submit all required documentation supporting your claim for Special Appointing Authorities;
Veterans who are still in the service may be granted tentative preference on the basis of information contained in their applications, but they must produce a DD-214 (showing the character of service) or other proof of service to receive consideration for veterans' preference. For more information on Veterans' Preference, please visit FedsHireVets.gov.
If you are relying on your education to meet qualification requirements:
Education must be accredited by an accrediting institution recognized by the U.S. Department of Education in order for it to be credited towards qualifications. Therefore, provide only the attendance and/or degrees from schools accredited by accrediting institutions recognized by the U.S. Department of Education. Failure to provide all of the required information as stated in this vacancy announcement may result in an ineligible rating or may affect the overall rating.
- Benefits Help
Benefits A career with the U
.S. Government provides employees with a comprehensive benefits package. As a federal employee, you and your family will have access to a range of benefits that are designed to make your federal career very rewarding.
Benefits for federal employees
Pay and leave Review our benefits Eligibility for benefits depends on the type of position you hold and whether your position is full-time, part-time, or intermittent. Contact the hiring agency for more information on the specific benefits offered.
How to Apply Help
How to Apply
Please follow all instructions carefully*. Errors or omissions will affect your rating. If, after reviewing your resume and/or supporting documentation, a determination is made that you have inflated your qualifications and/or experience your rating may be adjusted to more accurately reflect your abilities. To apply for this position, you must complete the occupational questionnaire and submit the documentation specified in the Required Documents section below. The complete application package must be submitted by 11:59 PM (EST) on 11/24/2017 to receive consideration. * To begin, click Apply Online to create a USAJOBS account or log in to your existing account. Follow the prompts to select your USAJOBS resume and/or other supporting documents and complete the occupational questionnaire.
Click the Submit My Answers button to submit your application package.
It is your responsibility to ensure your responses and appropriate documentation are submitted prior to the closing date.
To verify your application is complete, log into your USAJOBS account, select the Application Status link and then select the more information link for this position. The Details page will display the status of your application, the documentation received and processed, and any correspondence the agency has sent related to this application. Your uploaded documents may take several hours to clear the virus scan process.
To return to an incomplete application, log into your USAJOBS account and click Update Application in the vacancy announcement. You must re-select your resume and/or other documents from your USAJOBS account or your application will be incomplete. Read more
Agency contact information
(303) 844-7776 ##### Email email@example.com
Address Office of Field Operations
- Region VII 1000 Walnut Suite 530 Kansas City, MO US Learn more about this agency
Next steps Once your responses to the occupational questionnaire are received by our system
, you will be sent an acknowledgement email stating that your submission was successful. After a review of your complete application is made, you will be notified of your rating and/or referral to the hiring official. If further evaluation or interviews are required you will be contacted. During the evaluation and interview process you may be asked to provide written responses to questions or writing samples. You may track the status of the application process through USAJOBS and you will be notified of the outcome. Read more
- Fair & Transparent
& Transparent The Federal hiring process is setup to be fair and transparent. Please read the following guidance.
Equal Employment Opportunity Policy The United States Government does not discriminate in employment on the basis of race
, color, religion, sex (including pregnancy and gender identity), national origin, political affiliation, sexual orientation, marital status, disability, genetic information, age, membership in an employee organization, retaliation, parental status, military service, or other non-merit factor.
- Equal Employment Opportunity (EEO) for federal employees & job applicants Read more
Reasonable Accommodation Policy Federal agencies must provide reasonable accommodation to applicants with disabilities where appropriate
. Applicants requiring reasonable accommodation for any part of the application and hiring process should contact the hiring agency directly. Determinations on requests for reasonable accommodation will be made on a case-by-case basis. A reasonable accommodation is any change to a job, the work environment, or the way things are usually done that enables an individual with a disability to apply for a job, perform job duties or receive equal access to job benefits. Under the Rehabilitation Act of 1973, federal agencies must provide reasonable accommodations when:
An applicant with a disability needs an accommodation to have an equal opportunity to apply for a job.
An employee with a disability needs an accommodation to perform the essential job duties or to gain access to the workplace.
An employee with a disability needs an accommodation to receive equal access to benefits, such as details, training, and office-sponsored events. You can request a reasonable accommodation at any time during the application or hiring process or while on the job. Requests are considered on a case-by-case basis. Learn more about disability employment and reasonable accommodations or how to contact an agency. Read more
Legal and regulatory guidance
Social security number request
Signature and false statements
New employee probationary period This job originated on www.usajobs.gov. For the full announcement and to apply, visit www.usajobs.gov/GetJob/ViewDetails/484028000. Only resumes submitted according to the instructions on the job announcement listed at www.usajobs.gov will be considered. Open & closing dates: 11/09/2017 to 11/24/2017 Salary: $72,500 to $94,253 per year
Pay scale & grade:* GS 12 Work schedule: Full-Time
Appointment type:* Permanent
Commercial Lender - C&I
Description PERSONAL FINANCES: Must have the ability to manage personal finances. JOB SUMMARY: Develop and manage lending, deposit and other banking relationships of commercial business through relationship banking while operating within lending authority. Responsible for developing business relationships by calling on current and prospective customers in one or more of the following lines of business: commercial, small business, commercial real estate, professional/executive, construction,, agriculture, healthcare and/or private banking . Manages loan accounts that meet established lending requirements and provides maximum profitability to the bank at minimum risk. Encourages customers to participate or purchase other bank services. Responsible for timely completion of required training applicable to the position and regular and effective application of such training in the performance of the position. COMPLIANCE: In addition to the employee’s regular responsibilities American National Bank realizes that a cohesive Compliance Program is the responsibility of every employee in the bank to ensure compliance with applicable consumer protection laws and regulations. Total bank support is required, but the Audit Committee and Management acknowledge that their influence, direction, and guidance are critical to implementing an effective Compliance Program. It is also a requirement that all employees especially Management and Officers demonstrate unequivocal support of the Compliance Program so that all bank employees understand and perceive the importance of the Compliance Program. Management's involvement will be critical to administering an effective Compliance Program. ESSENTIAL JOB FUNCTIONS: Lender III may be head of a bank lending specialty program, (i.e. Banks SBA PLP “preferred lender program”, business manager program, etc.) and/or handle larger credits and some difficult and/or complex lending relationships, and provide subordinate lenders with functional guidance. (Lender III should always focus about 75% of their time on Essential Functions 1 & 2). 1. Calls on potential or existing customers to develop new business and increase or retain existing business. (30 – 45%, depending on size of portfolio). 2. Attend to the needs of present and potential customers seeking loans that may involve unsecured funds and/or credit secured by mortgages or other collateral. (30-45% depending on the size of the then current portfolio). a. Interviews applicants to develop information concerning their businesses, needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk. b. Obtains and directs the analysis of all necessary financial data. c. Conducts credit checks and makes plant or company visits as necessary. d. Makes decisions on loans and terms if within own lending limits, or makes recommendations to a superior. e. Directs loan preparations to insure adherence with loan policy. 3. Oversees current loans and credit lines to ensure complete conformity with terms and awareness of developing trends. (10%) 4. Provides customers with routine platform services, such as approving checks for cashing or handling customer problems. Gives financial advice and counsel to customers and prospective customers. (5%) 5. Participates in community affairs to increase the bank's visibility and to enhance new business opportunities. (5%) MARGINAL JOB FUNCTIONS: 1. Performs other duties and prepares other reports, such as on problem loans as assigned by management. (5%) NECESSARY KNOWLEDGE, SKILLS & ABILITIES: 1. Knowledge of commercial lending, banking and/or business operations, as well as knowledge of designated line of business industry. 2. Skill in managing financial matters and business management. 3. Skill in operating office equipment such as: computer terminal, adding machine, copy machine and Dictaphone. 4. Ability to effectively communicate with customers and co-workers. 5. Ability to use good judgment to make decisions. 6. Ability to work under pressure and handle multiple tasks. EDUCATION & EXPERIENCE: 1. Bachelor’s Degree in Business Administration preferred and/or equivalent work experience. 2. Three to Ten years’ experience working in commercial lending or in designated line of business industry. 3. Previous sales experience helpful. Requisition Number: 17-0198 Company: American National Bank
- Title:* Commercial Lender
C&I; Department: Comm
Location/Building:* 145th Center
Employment Type:* Full Time
Total Hours Per Week:* 40 City: Omaha
Residential Lender II
2017-LENDRE-210-0006: Residential Lender II DepartmentMortgage Lending City, StateSpringfield, MO Work ScheduleMonday
Friday Shift Schedule8:00 am
5:00 pm Hours Per Week40 hours Job Grade 13 Job Responsibilities Under general supervision, but following existing policies and procedures as well as all applicable banking laws and regulations, including BSA and AML, is responsible for originating all types of mortgage loans from qualified borrowers. Responsible for interviewing potential borrowers, explaining all loan programs, and conducting a preliminary analysis in order to determine if the borrowers meet minimum program criteria for any secondary market or portfolio products.
Works with the Mortgage Loan Assistants as necessary to prepare and/or gather all loan documents necessary for closing.ESSENTIAL DUTIES AND RESPONSIBILITIES1. Responsible for new business development and the cultivation of established customers. This duty is performed daily, about 30% of the time.2.
Interviews potential borrowers, explaining the various loan products available and analyzing the borrower's needs to determine the appropriate product and ensure they meet minimum eligibility requirements. This duty is performed daily, about 20% of the time.3. Gathers appropriate documentation from the borrower(s), inputting the applicable data into the loan tracking system.
This duty is performed daily, about 20% of the time.4. Regularly communicates and works with the Mortgage Loan Assistants to ensure all necessary documentation is received and all necessary closing documents are complete and accurate. This duty is performed daily, about 20% of the time.5.
Looks for cross-sell opportunities for other company products and services. This duty is performed daily, about 10% of the time.6. Perform any other related duties as required or assigned.
Minimum Education & Other Requirements QUALIFICATIONSTo perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.EDUCATION AND EXPERIENCEBroad knowledge of such fields as advanced accounting, marketing, business administration, finance, etc. Equivalent to four years of college, plus 2 years related experience and/or training.
Or equivalent combination of education and experience.SUPERVISORY RESPONSIBILITIESNone.COMMUNICATION SKILLSAbility to read and understand documents such as policy manuals, safety rules, operating and maintenance instructions, and procedure manuals; Ability to write routine reports and correspondence.MATHEMATICAL SKILLSAbility to add, subtract, multiply and divide numbers. Ability to perform these mathematical skills using money and other forms of measurement.CRITICAL THINKING SKILLSAbility to utilize common sense understanding in order to carry out written, oral or diagrammed instructions. Ability to deal with problems involving several known variables in situations of a routine nature.SUPERVISION RECEIVEDUnder general supervision where standard practice enables the employee to proceed alone on routine work, referring all questionable cases to supervisor.PLANNINGLimited responsibility with regard to general assignments in planning time, method, manner, and/or sequence of performance of own work operations.DECISION MAKINGPerforms work operations which permit frequent opportunity for decision-making of minor importance and also frequent opportunity for decision-making of major importance; the latter of which would affect the work operations of other employees and/or clientele to a moderate degree.MENTAL DEMANDModerate mental demand.
Operations requiring almost continuous attention, but work is sufficiently repetitive that a habit cycle is formed; operations requiring intermittent directed thinking to determine or select materials, equipment or operations where variable sequences may be selected by the employee.ANALYTICAL ABILITY / PROBLEM SOLVINGDirected. Supervisory and/or professional skills using structured practices or policies and directed as to execution and review. Interpolation of learned things in moderately varied situations where reasoning and decision-making are essential.USE OF MACHINES, EQUIPMENT AND/OR COMPUTERSRegular use of highly complex machines and equipment; specialized or advanced software programs.ACCURACYProbable errors of internal scope should ordinarily be detected within the department or office in which they occur, but may affect the work of others within the unit, requiring additional expenditure of time to trace errors and make all necessary corrections.
Errors would require a moderate amount of time to correct.PUBLIC CONTACTFrequent contacts with general public, patrons, or other outside representatives, wherein the manner of handling these contacts has a bearing on the organization's position and operation.EMPLOYEE CONTACTContacts of considerable importance within the department or office, such as those required in coordination of effort, or frequent contacts with other departments or offices, generally in normal course of performing duties. Requires tact in discussing problems and presenting data and making recommendations, but responsibility for action and decision reverts to others.REQUIRED CERTIFICATES, LICENSES, REGISTRATIONSMust have a valid drivers license and/or the ability to travel to customer locations as necessary. Must be registered under the Nationwide Mortgage Licensing System (NMLS) or become registered upon hire.SOFTWARE SKILLS REQUIREDIntermediate:
Contact ManagementBasic: 10-Key, Accounting, Alphanumeric Data Entry, Spreadsheet, Word Processing/TypingPHYSICAL ACTIVITIESThe following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations.While performing the functions of this job, the employee is regularly required to sit, talk or hear; frequently required to stand, walk, use hands to finger, handle, or feel, reach with hands and arms; and occasionally required to climb or balance, stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds.
Specific vision abilities required by this job include close vision; distance vision; and color vision.ENVIRONMENTAL CONDITIONSThe following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.The noise level in the work environment is usually moderate.Great Southern Bank is an Equal Opportunity Employer of Minorities, Females, Individual with Disabilities, Protected Veterans, Gender Identity, Sexual Orientation, or on any other basis prohibited by law.
VP Or Avp, Commercial Lender Finance Underwriting - New York Or Chicago
77 West Wacker Dr (35012), United States of America, Chicago, Illinois At Capital One, we’re building a leading information-based technology company. Still founder-led by Chairman and Chief Executive Officer Richard Fairbank, Capital One is on a mission to help our customers succeed by bringing ingenuity, simplicity, and humanity to banking. We measure our efforts by the success our customers enjoy and the advocacy they exhibit. We are succeeding because they are succeeding. Guided by our shared values, we thrive in an environment where collaboration and openness are valued. We believe that innovation is powered by perspective and that teamwork and respect for each other lead to superior results. We elevate each other and obsess about doing the right thing. Our associates serve with humility and a deep respect for their responsibility in helping our customers achieve their goals and realize their dreams. Together, we are on a quest to change banking for good. VP or AVP, Commercial Lender Finance Underwriting
- New York or Chicago Capital One is a Top 10 U.S. bank, with the strength and stability to meet the needs of our clients. Our Commercial Banking group services a $65 billion loan portfolio and more than 6,100 clients. Our specialized industry knowledge spans a wide array of businesses, including Commercial & Industrial, Commercial Real Estate, Energy, Healthcare, Technology and Financial Institutions. The Capital One Financial Institutions Group combines a long-standing culture of innovation with industry expertise, advanced analytics and proactive and customized solutions to empower our clients with the information and insights they need to make the right moves at just the right time. Across our commercial and consumer segments, we combine a leading bank’s balance sheet with the disruptive spirit of an innovator to make sure that you’re always a step ahead of the competition. The commercial lender finance underwriter will manage and/or assist in the structuring, underwriting and closing of recourse and non-recourse loans, capital markets activities such as ABS/CLO securitizations, and treasury management opportunities with non-bank financial institutions. Activities would include the negotiation of legal documents for individual transactions. Will play a lead role in managing potential structured finance transactions through the credit approval and closing process. Interact with senior management of potential borrowers (e.g. CEOs and CFOs) as a part of the diligence and closing process for new transactions. Assist portfolio management group in post-closing customer interaction and asset management, as necessary.
Specific responsibilities include, but are not limited to:
- Evaluate the merits of potential opportunities and determine appropriate transaction structures to mitigate risk and maximize return on investment; - Identify specific merits, risks and mitigants for each transaction. Perform due diligence including industry, company and financial analysis; - Manage and/or assist in the internal deal screening, risk analysis, pricing analysis and internal credit approval process; evaluate risk/return dynamics for proposed transactions; - Draft and negotiate term sheets, commitment letters and loan documents; prepare internal memoranda for review and approval of new transactions; - Support legal documentation and execution of new transactions; - Travel to client sites to perform due diligence associated with potential financings; - Construct and maintain detailed financial models; develop sensitivity analysis around key economic drivers.
The Ideal Candidate Will Possess:
Experience in underwriting/credit analysis and transaction execution in structured credit/lender finance;
Experience in both recourse and non-recourse lending; - Sector experience in financial institutions, including a focus on some or all the following asset classes:
C&I / Cash Flow Loans
Asset Based Loans
Floor plan Finance
- Experience negotiating documentation with clients, other banks and institutional investors, and others (including rating agencies); - Strong credit skills; - Strong analytical and modeling skills; - Ability to work in team environment; - Ability to deal with complexity and with multiple teams and deals at same time; - Proficiency in generating PowerPoint presentations; - Strong written and oral communication skills; - Familiarity with financing options (and products) available to financial institutions, including cash flow lending, bond issuance, secured recourse lending, non-recourse lending (i.e. securitization), mezzanine credit, hedging; - Familiarity/experience with Agent roles and responsibilities; - Rating agency experience (corporate and structured products); - Capital markets/ABS research experience.
- Bachelor's Degree + 5 years of corporate finance experience + 3 years of experience with structured finance/securitization finance
At least 10 years of commercial underwriting experience
Completion of a bank credit training program At this time, Capital One will not sponsor a new applicant for employment authorization for this position.
Commercial Lender (Full Time) - Palestine
Prosperity Bank is seeking a Commercial Banking Officer with a proven track record of building relationships to develop lower-middle market relationship with corporations and not-for-profit entities with annual revenues generally ranging from $5 million to $500 million. As a Commercial Banker, your primary role will be to grow and retain profitable relationships.
This is accomplished by focusing on the delivery of value added solutions to our clients and prospects that will help them reach their goals and maximize our revenues over the life of the relationship. You will be a fully experienced, qualified relationship manager capable of independent activity. You should have proven client relationship skills, as well as extensive product knowledge, technical expertise and strong transaction execution skills.
Credit process management is a critical component of your job. Performance will be measured by your effectiveness in many marketing areas, including but not limited to: calling activity, proposal generation, revenue generation, risk mitigation, ability to build successful relationships, and propensity to help build the franchise for the long term. You will also seek opportunities to cross sell into every relationship and anticipate the future needs of the client.
The Lender will actively solicit commercial clients, aggressively seek and obtain quality new business through client and prospect calls, referrals, and cross selling efforts. Obtaining and maintaining COI s and attending various networking events in the assigned geographic area. Generating a wide variety of commercial and real estate loans. closing loans typically in the $1 million to $10 million range and contributing to deposit growth by cross selling and promoting additional banking products will also be required.
Other duties as assigned. Prosperity Bank is committed to providing our customers a personalized service experience, we're looking for people who are passionate about satisfying customers, will not settle for the average, embrace creativity and operate with a sense of purpose. If this is you, then we are looking forward to meeting you and are excited that you are interested in joining Prosperity Bank - where we are Simply Better!
Come join our team and explore the endless possibilities that a career in banking can provide! A pre-employment credit check will be performed on all qualified applicants. Prosperity Bank is an Equal Employment Opportunity and Affirmative Action employer, and Member FDIC.
Required Skills Must have good interpersonal and communication skills and proven track record of business development. Ability to expand loans, client relationships and cross sell bank products. Well organized.
Ability to operate related computer applications and related business equipment. Attention to detail. Ability to maintain an effective and efficient workflow.
Required Experience Bachelor s degree in banking, finance or other related field is preferred. Formally credit trained and /or underwriting knowledge and experience is preferred. Loan structuring and credit analysis.
Familiarity of the sales, loan processing and closing processes. Typically a minimum of seven years direct lending or credit support related experience with focus on business relationships Extensive knowledge of Commercial Banking products and services including working knowledge of C & I as well as Owner-Occupied and Investment Commercial Real Estate loans.
DE Underwriter Needed For High Volume Lender !!!!
The purpose of the Underwriter position is to clear home mortgage loans for closing once a thorough analysis and underwrite of the submission is completed and meets industry, company and product requirements. Underwriters must have an in-depth and current knowledge of federal and other regulatory standards needed to analyze a borrower’s financial position and other property related risks associated with the loan in order to make an appropriate decision. Underwriters are supervised by the Underwriting Team Lead and/or Underwriting Manager, and ultimately report to the head of Operations.
Review Loan Submissions
- Thoroughly evaluate borrower income relative to financial obligations, adequacy of credit quality and history, the source of funds, the security of the subject property, the loan terms, and ratios
- Ensure that all required items are provided, validated/verified, and meet the program guidelines
- Ensure accuracy of loan disclosures and documentation
- Calculate Loan to Value (LTV) and other ratios accordingly
- Run the file through Automated Underwriting Systems (AUS), such as DU/LP, when applicable
- Review the application and information in the Loan Origination Software (LOS) for accuracy
Communicate and Review Conditions as Needed
- Request items necessary to complete the submission or to qualify for the program
- Review and clear conditions as received
- Provide explanation to the Mortgage Loan Originator and/or Branch Manager in the case where a loan requires restructuring
Update LOS Appropriately
- Ensure that all relevant and necessary information needed is communicated and provided properly through the LOS including, but not limited to: Loan approval date, conversation logs, appraisal information, HMDA and Credit information, conditions, worksheets, MI, FHA, and VA when applicable, suspense, denial, and incomplete dates and milestones as appropriate, etc
Provide Decision on Submissions
- Approve loans in accordance with appropriate terms, conditions, counter-offers if the term does not meet company lending standards and guidelines, and industry standards used by investors
- Or, deny loans not meeting the terms, conditions, standards and guidelines previously referenced
- Notify Processor and Mortgage Loan Originators of decision made
- Strong analytical and mathematical skills
- Strong communication skills (verbal and written)
- Self-starting, self-reliant, highly motivated and dependable
- Efficient in time-management and ability to organize and prioritize tasks
- Technological savvy and comfort in learning new computer systems and programs
- High school diploma required, college degree preferred
- Minimum of 5 years underwriting experience and 10 years of mortgage industry experience
- Thorough understanding of secondary market guidelines (FNMA/FHLMC/GNMA)
- Strong understanding of the mortgage process from origination through closing
- Experience with AUS and knowledge of Mortgage Insurance expected
- Experience with Encompass LOS preferred
- DE / LAPP certifications preferred
Equity Prime is a mortgage lender whose operations extend to over 42 states. We provide a variety of mortgage products to assist clients with finding solutions to fit their needs and home ownership goals. Our management team has over 50 years of industry experience and we maintain dedicated, professional sales and operations teams.
Doherty Staffing has partnered with a growing, employee-owned financial institution in their search for an SBA Lender in St. Cloud, MN. This is a Direct Hire opportunity with initial screening by Doherty. Successful candidate will receive a competitive base salary, complemented by an attractive commission structure, and exceptional benefits package.
The SBA Lender will develop and manager SBA loan accounts that meet established lending requirements and which provide maximum profitability to the bank with the minimum of risk. He/she will also seek out opportunities to promote SBA lending through industry contacts and informal networks.
SBA LENDER RESPONSIBILITIES
· Increase the bank’s visibility as SBA Preferred Lender through community outreach and public speaking opportunities.
· Interview loan applicants, collect and analyze financial data to determine creditworthiness of the prospect and the merits of the loan request. Make presentations to loan committee.
· Monitor loan repayment activities and take necessary action to collect past due accounts.
· Establish and maintain a quality SBA portfolio within guidelines
· Responsible for the flow of SBA loan throughout application and approval process, this includes all LowDoc, GP, CLP, and PLP processing channels. Directs the closing of loan and oversees the servicing of the loan to ensure compliance with all legal, regulatory and SBA requirements.
· Coordinate and present SBA seminars to bankers and/or customers in an effort to continually promote the knowledge and use of SBA loan programs.
SBA LENDER REQUIREMENTS
· 2-5 years’ experience in commercial or consumer lending
· Bachelor’s Degree preferred but not required
· Excellent sales and negotiation skills
· Proven ability to develop strong relationships with clients, prospects, and business partners.
· Strong analytical, organizational and presentation skills with exceptional interpersonal and communicative skills with both individuals and groups
· Computer skills, with proficiency in Excel, Word, Outlook, etc.
Placing great people into work opportunities is our mission, and it's been a life-changing one for our candidates for over 35 years! We hope you turn to Doherty at every stage of your working life, from your first job, to the peak of your career, to the flexible or short-term opportunities during the busier times of your life. Whether you are looking for temporary work, a contract position, or a permanent job, Doherty can help you find the role that matches your current needs and skill set. We want to place you with the company that's right for you!
Whatever your career path, Doherty is here for you!
Learn more and apply online at www.doherty.jobs.
Doherty is an Equal Opportunity and Drug Free Employer.
Residential Mortgage Lender
Our Mission Statement: Earning long term relationships every day through integrity, responsiveness, and commitment. This is personal to us. Through the years, Jefferson Bank has created an elite team of highly skilled, family oriented and civic-minded individuals who contribute to the bank's continuing success. Therefore, it is vital that we continue to attract, retain, train, and motivate the very best employees to serve our clients. Jefferson Bank seeks service-minded candidates with innovative ideas to join our financial services family. Did you know!?: In 2015, Five of the top Twenty-five lenders on the San Antonio Business Journals "Top Producer" list were from Jefferson Bank!
Work Schedule: Monday – Friday: 9:00am – 5:00pm If you are someone that has strong compliance understanding and is a driven problem solver relating to residential loan origination situations, this is the role for you! This is truly a unique opportunity to join a fast growing department within Jefferson Bank! A Residential Mortgage Lender for Jefferson Bank will generate mortgage production loans through external business development & internal partners. Residential Mortgage Lenders will qualify borrowers; maintain compliance and quality control standards. As a Residential Mortgage Lender you will contribute to the overall success of the mortgage lending team by:
Building and maintaining referral networks and relationships to bring new mortgage business
Advising customers on the process of completing mortgage loan applications
Determining appropriate loan types for customers’ needs and educating customers on details of all loan types
Preparing and sending initial disclosures to customers, complying with RESPA/TILA requirements
Running loan file information through Loan Prospector or Desktop Underwriting systems to determine eligibility for agency loan
Managing customers and related service providers, including real estate agents, regarding appropriate expectations for documentation, processing and closing In return we offer you a chance to join a family oriented seasoned employer where teamwork comes together to exceed our customer expectations. If you meet our minimum qualifications and are looking to take your career to the next level we invite you to apply and learn more. We offer outstanding employee benefits such as medical, dental, vision, tuition reimbursement, paid vacation, sick leave, defined benefit retirement plan, 401(k) plan, and opportunities for internal advancement! View additional benefit information at: (https://www.jeffersonbank.com/about-jefferson-bank/careers/employee-benefits) MINIMUM QUALIFICATIONS
SEEKING CANDIDATES INTERESTED IN WORKING IN THE SOUTHWEST, BOERNE, AND NEW BRAUNFELS, TX AREAS
Work Experience: * 3 years experience in mortgage loan origination
- Strong compliance understanding & problem solving skills related to residential loan origination PREFERRED QUALIFICATIONS:
Work Experience: * Experience with existing referral sources & customer relationships
Experience using Encompass LOS System
Proficiency in Spanish language
Supervisory Experience: * None Education, Skills, and Experience * High School Diploma or equivalent
Ability to work independently and multi-task with accuracy
Strong interpersonal skills
Strong verbal and written communication skills Equipment/Machines/Software * Excellent computer literacy in all Microsoft Programs (Outlook, IE 7 and 8 and other popular browsers, Word, Excel, Power Point, Adobe Reader) * Ability to work with office equipment such as copiers, scanners, shredders, fax
Competency Requirements * Ability to work effectively in high pressure environment
Must be able to hear and speak to communicate with customers
Proven organizational skills with ability to multi-task
Physical Requirements * Must be able to sit for long periods of time and read from a computer screen
Must be able to type on a keyboard
Must be able to reach, bend and lift files up to 30 lbs
Must be able to speak, hear and see to communicate with clients Jefferson Bank is an Equal Employment Opportunity Employer and Affirmative Action Employer - M/F/Disability/Protected Veteran Status Click this link to view the "EEO is the Law" Poster:http://www.eeoc.gov/employers/upload/poster_screen_reader_optimized.pdf (link is external) Note: This job description has been designed to indicate general nature of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive list of all duties, responsibilities, and qualifications required of employees assigned to this job. Location: Mortgage Loan Office
Requisition #:* 770 # of Openings: 1
Mortgage Branch Manager/Direct Lender
A seasoned Mortgage Loan Officer/Originator, looking for a higher compensation plan and superior support to close more deals with less effort.
• Fast underwriting approvals, and closing times on purchases
• In-house underwriting & processing
• Superior pricing and product placement
• Scenario Desk to help you with tougher loans, and exceptions granted in real time
• As a direct Mortgage Banker, we sell straight to FNMA as well as established and reputable Tier-1 correspondent Investors
• Processors and/or Loan Officer Assistants collect all supporting documents and order 3rd party deliverables; you focus on driving sales and supporting your relationships
• Advise new and existing customers on various loan programs based on the customers' financial needs
• Obtain and analyze pertinent financial and credit data
• Analyze current rates and programs to provide accurate and timely information to customers
• Present and articulate terms and conditions of loans to customers
• Keep informed on trends and developments in the local real estate market, as well as the changing rules and regulations
• Manage personal pipeline to ensure service levels and financial goals are met
• Transact business in conformance with state and federal regulations such as, but not limited to, RESPA, HMDA and Fair Lending Practices
YOUR RESPONSIBILITIES & QUALIFICATIONS:
• Identify and close deals
• Pass off client to processor and LO assistant for packaging and underwriting
• 4+ years of relevant mortgage originating and loan structuring experience
• Negotiating skills
• Strong analytical and mathematical abilities
• Excellent oral and written communication skills
• High level of integrity and trust
• Strong desire to succeed
• Professional demeanor and attire
• Must be licensed as a Mortgage Loan Originator (MLO) per the S.A.F.E. Act requirements, and also have an NLMS number
Making better hires starts with building better job descriptions
- Browse 100s of templates across 40+ industries
- Customize your template with your company info & job requirements
- Post it to 20+ job boards in seconds – for FREE!