-Interview loan applicants, collect and review financial and related data to determine the general credit worthiness of the individual and the specific merits of the loan request
-Approve creditworthy loans within the Bank's loan policy and the officer's individual lending limit, and refer creditworthy loans above lending limit to the appropriate loan committee
-Implement appropriate controls and action plans over all internal and external activities relative to the Carrollton location to assure attainment of goals
-Develop, carry out and monitor branch marketing plan(s)
-Promote positive relationships with customers, local businesses, and trade organizations
-Participate in community activities to increase Bank's visibility and to enhance new business opportunities
-Carry out such other duties as may be assigned or requested
-Ideal candidate will possess a sincere desire to assist customers in achieving their financial goals as well as a commitment to the betterment of our small rural communities
-Must exhibit a positive attitude with the competitive mindset needed to obtain marketshare in the very competitive north central Kentucky marketplace
-Must possess a thorough understanding of the credit process in relation to all types of loans including commercial and residential mortgages, consumer lending, commercial and agriculture loans
-A willingness to aggressively seek quality new business by calling on prospective and existing clients
-Knowledge of Small Business Administration (SBA) and Affordable Housing loan programs desirable but not required
-Bachelor's or Associates degree preferred but may be offset by prior lending experience
Additional Salary Information: Salary based on experience
About United Citizens Bank and Trust Company
United Citizens Bank and Trust is a locally owned community bank located in north central Kentucky with headquarters in Campbellsburg Kentucky. Our primary service area consists of Henry, Oldham, Carroll, Trimble and surrounding counties. We are seeking a lender to allow us to expand our lending footprint in north central Kentucky. The candidate selected will have the support of a dedicated mortgage loan processor from the origination phase through to closing.
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