Consumer Loan Officer

Lead is a fintech building banking infrastructure for embedded financial products and services. We operate an FDIC-insured bank headquartered in Kansas City, Missouri. Additionally, we have offices in San Francisco, Sunnyvale, and New York City, where our technical, product, design, and legal teams operate. 

We are built for a constantly evolving financial landscape, where new ventures and technological advancements emerge daily. Guided by a team of entrepreneurs and technologists with decades of experience navigating intricate banking and payments regulations, Lead blends regulatory and technological expertise to help our fintech partners scale their operations with compliance and creativity.

Simply put, Lead offers the essential attributes that every fintech seeks in a partner bank. First, unparalleled technical expertise from a distinguished team of developers with an extensive understanding of the banking and payments systems. Second, oversight expertise, automated compliance systems, and bespoke program management to navigate the ever-shifting regulatory landscape. Finally, a commitment to transparency and operational rigor to ensure everyone’s money does what it’s supposed to do. 

As a Community Bank, we provide personalized banking services and solutions to support the businesses, individuals, and charitable organizations of the Kansas City Metropolitan Area, both in branch and online. We are committed to fostering strong relationships, supporting local economic growth, and we believe in the power of being an integral part of the community we serve.

Role Description: We are seeking a Consumer Loan Officer to join our team and provide exceptional service to our clients. In this role, you will assess client needs and financial situations, guiding them through the loan application process and offering customized financing solutions. You will be responsible for evaluating creditworthiness, communicating loan options clearly, and ensuring a smooth approval process. Strong interpersonal skills and a dedication to customer satisfaction are essential as you help clients achieve their financial goals.

In this role you will:

• Collaborate with Credit Underwriting, produce quality credit applications/annual reviews for use by various Approval Authorities (Internal and External)
• Obtain necessary underwriting information to evaluate various types of credit requests
• Analyze the credit history of applicants and determine their loan repayment capability
• Negotiate credit terms such as costs, loan repayment methods, loan structures, covenants and collateral specifications in accordance with Lead Bank lending policy and procedures
• Implement and maintain interest rate structure and fees to be consistent with risk associated with customer
• Review new laws and regulations that influence consumer lending within the financial institution
• Develop new customer prospects and business for Lead Bank
• Service and develop current customer relationships through a combination of personal interaction, site visits, ongoing contact and use of digital tools to meet customers’ needs
• Service an existing consumer Banking as a Service loan portfolio
• Analyze and review customer needs and build a complete financial relationship beyond basic loan requests to include Lead Bank relationship partners. Relationship development and referral to include deposit and transactional services, digital access and informational technologies and business knowledge services
• Utilize written, digital and oral communication skills and resources to relay and acquire information to and from customers
• Develop and maintain a positive professional image for Lead Bank
• Provide support for bank sponsored events to promote all bank services
• Provide support for bank Non Profit partnership, Small Business banking and lending 
• Seek out and develop opportunities to provide collaborative service for Clients across departments and functions
• Assist with Underwriting / Approving Loan Requests when needed
• Understand and follow applicable laws and regulations for job responsibilities including but not limited to: Lead Bank Loan Policy, Conduct Policy, Bank Secrecy Act, Information Security, and Suspicious Activity reporting requirements
• Review, evaluate and approve loans submitted through BaaS relationships as needed.
• Perform other duties as assigned

Qualifications:

• A minimum of 2 years consumer lending experience
• Excellent communication skills
• Strong judgment, instincts and analytical skills
• Strong organizational skills with experience in managing multiple time-sensitive projects simultaneously 
• Humility, low ego and a desire to give and receive feedback
• Self starter, engaged, proactive and ready to roll up your sleeves 

What we offer:

• At Lead, we design our benefits to support company culture and principles, to foster an efficient and inspiring work environment, and to create the conditions for our team to give their best in both work and life
• Competitive compensation based on experience, geographic location, and role
• Medical, Dental, Vision, Life, 401k Matching, and other wellness benefits, including FSA, HSA and HRA
• Paid parental leave
• Flexible vacation policy, including PTO and paid holidays
• A fun and challenging team environment in a dynamic industry with ample opportunities for career growth 

*Lead Bank is proud to have an inclusive culture committed to ensuring equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.

*Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 

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