Consumer Lending Branch Support Officer

Summary As part of the Somerset Trust Team, it is the expectation that all employees provide exceptional customer service to both internal and external customers, foster positive, respectful collaboration with colleagues across the organization, and uphold the values of the company (Service, Fairness, Honesty).

SUMMARY: To assist Consumer Lending in promoting an efficient and effective consumer lending environment for the branch network.

Review consumer non-real estate loans (unsecured, titled collateral, CD/Savings secured, etc.) that are submitted for denial to ensure there is not an alternative for the customer/borrower.

Review consumer loan auto decisioning reports daily/weekly.

Assist Consumer Non-Real Estate Processors with application reviews and make lending decisions for loans with exceptions, when necessary.

Correspond with branch lenders regarding loans in process.

Provide guidance to lenders regarding loan processes, procedures and decisions.

Essential Duties and Responsibilities · Participate in the effectiveness of all consumer loan products and provide training to appropriate lending personnel on a regular and on-going basis.

· Attend monthly branch manager meetings to review updates with staff.

· Understand and learn business objectives and services and the related risks and controls for the day-to-day consumer lending operations of the branch network.

· Must maintain knowledge for compliance with application laws, rules, regulations and the principles of safety and solutions.

· Assist in the development, maintenance and communication of all internal and external factors affecting consumer lending.

Which would include rates, fees, competition, new products, loan volume, trends and branch lending concerns.

· Provide feedback to the Sr.

Consumer Lending Officer and the Consumer Lending Lead Officer to continuously improve consumer lending activity.

· Analyze loan reports for branch production, total production, current loan totals, charge off's, exceptions and make recommendations when necessary.

· Help to monitor training needs of lending personnel with regards to policy and procedures, product knowledge, lending procedures and loan documentation to meet desired results.

· Provide new lender training on products and systems to give foundation of non-real estate lending.

· Work with Team Leads and Community Managers on training needs.

· Visit branch offices and lenders when necessary to fully understand the market area for potential growth and learning opportunities that may exist.

· Maintain knowledge of and adhere to the BSA policy.

· Back up the Consumer Non-Real Estate Processors during heavy volume days, vacations and days off.

H · Provide guidance to lenders regarding loan processes and decisions for non-real estate lending.

· Make decisions and/or recommendations for branch lenders' loan applications as needed.

· Prepare monthly reports for lenders.

· Ability to thrive in a team environment and provide coa...