Indirect Lending Underwriter
Loan - Commercial/Consumer - Lee's Summit, MO

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HOURS: Monday through Friday 8:00 a.m. to 5:00 p.m. and every 5th Saturday 9:00 a.m. to 12:00 p.m. Flexibility to work other days/hours as needed to serve dealers and customers.

Bachelor's degree; or equivalent combination of education, training and experience that provides the required knowledge, skills and abilities.
Five years of bank consumer indirect lending experience required.
Ability to use Dealertrack and Route One web-based auto finance programs.
Knowledge of current bank lending procedures and policies (state and federal), lending regulations, lien laws, collection/bankruptcy regulations, and loan documentation.
Knowledge of consumer loan support functions, including appraisals, title work, deeds of trust, lien recording, etc.
Analytical (statistical), organization, time management and problem-solving ability.
Possess good judgment skills. Ability to make decisions within prescribed guidelines, research and solve problems, work independently, handle confidential information and manage multiple tasks.
Thorough knowledge of bank products and services and the skill to solicit business for bank deposit products and loan services.
Ability to identify client needs, present banking solutions and bank products.
Ability to recognize closing opportunities and retain and grow customer relationships.
Ability to read, write, and speak English.
Excellent verbal, listening and communication skills.
Strong customer relations skills and ability to work with employees and customers in a cooperative manner.
Ability and desire to work as part of a team, and with people of diverse backgrounds.
Strong organizational skills and attention to detail.
Ability and desire to represent Metcalf Bank in the community. Familiarity with local financial marketplace (competitors, demographics, geography, industries, etc.)
Willingness to assume additional responsibilities/duties/projects as they arise.
Ability to operate office equipment including PC's, calculators, telephones, voice mail, copy and fax machines.
Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
Occasional travel for in-person visits to current and prospective customers, to referral contacts, and/or for training at other Metcalf Bank branches or Central Bancompany affiliates.

Job Description:
Solicit, develop and manage new indirect automobile, recreational vehicle and motorcycle dealer relationships. Perform full range of duties pertaining to the credit function, including, but not limited to consumer loans, indirect and direct, in support of overall Lending Department objectives and in accordance with established lending policies and practices.
Receive and screen loan applications, request credit status, banking and other references, conduct on-site inspections, correspond with or interview applicant or creditors to resolve questions regarding the application; analyze applicant's financial status, credit and property evaluation to determine feasibility of granting loan request; approve loans within specified limits; communicate loan decision to applicants, including rationale for decisions, and assure necessary supporting documents are prepared. Ensure optimum profitability balanced with acceptable risk.
Direct and participate in the closing of approved consumer loan agreements; ensure that all required closing documents are prepared and processed.
Significant interaction with dealers and customers where situations are diverse and require the ability to interpret technical standards to determine the best choice among a wide number of alternatives.
Monitor and review assigned consumer loans on a regular and continuing basis; identify problem or delinquent loan accounts or those having an adverse impact on Bank profitability; responsible for collection of delinquent loans; initiate appropriate corrective actions on delinquent accounts on a timely basis; refer problem accounts to supervisor as required or needed.
Responsible for the attainment of loan objectives to include, but not limited to, origination, portfolio management, delinquency, loan losses, fee income, interest income, and return on assets.
Keep abreast of new developments and trends in the consumer loan market; identify potential lending opportunities and participate in the development and implementation of plans and programs to respond to those opportunities.
Maintain personal accountability for sales and service standards and for meeting business development, sales and referral goals.
Ensure thorough knowledge and understanding of compliance and regulatory issues relating to loan policy and procedures (i.e. Bank Secrecy Act, CRA, Fair Lending, etc.) evidenced by appropriate application of these regulations in day-to-day operations.
Demonstrate the highest level of professionalism, efficiency and customer service when resolving the most difficult customer issues. Ensure prompt and courteous response to customer inquiries.
Attend all required training.
Perform other duties as assigned or needed.