Make credit decisions within loan policy guidelines
Ensure timely application process and follow-through to closing
Ensure all required compliance documentation is in order
Refer customers to the secondary real estate loan market as necessary
Service consumer loan customers
Receive and process consumer loan applications
Determine applicant qualifications for credit check, credit history, employment and debt ratio
Arrange to have bank’s secured interest recorded on all collateral
Perform collection work on delinquent loans
Assure that all appropriate loan documents are completed and signed
Service business loan customers within internal guidelines
Qualify customers and prepare corresponding paperwork
Present application to loan committee or senior lender
Exercise independent judgment on credit underwriting and decision making process in accordance with lending limits and underwriting guidelines as outlined in the loan policy.
Develop and grow the bank’s book of business by drawing on a network of personal and business contacts, business experience and knowledge of the bank’s products and services
Promote the bank’s image through community networking and actively participating in community events and activities
Participate in organizations that improve the quality of life in the communities we serve
Provide banking services for all customers
Assist walk-in customers with questions
Assist call-in customers with questions
Open and close bank as scheduled, following security guidelines and insuring employees are prepared for customers
Ensure adequate officer coverage at each location
Ensure open communication between officers
Assist with answering phones when necessary; field incoming calls and transfer to appropriate person or department
Be attentive and mindful of lobby traffic; assist and direct customers to appropriate person or department
Provide support to other employees
Serve as a positive role model to other bank staff, always demonstrating the bank’s internal & external values
Perform other duties as directed by management
Minimum Experience: Three years of lending experience required.
About Minnesota Lakes Bank
Minnesota Lakes Bank is a family-owned, community bank with offices in Delano, Mound and Buffalo, MN. Our mission is to provide superior customer service and to build relationships and a duty of care which help us responsibly serve the communities in which we operate.
This bank is dedicated to serve customers of today as well as of the future. The Minnesota Lakes Bank ownership group is industry-leading. We embrace new technology and delivery methods, and we are excited to bring our more than 100 years of banking experience to bear in new markets where we have a connection and history.
Minnesota Lakes Bank is a name that attempts to capture the iconic nature of the state of Minnesota, the land of 10,000 lakes.
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