Community Lending Officer

Job DescriptionOverviewThe Community Lending Officer is responsible for proactively soliciting and originating new CRA qualifying residential mortgage and small business relationships through internal and external sources in an assigned geographic area. This individual will participate in providing financial education, working with non-profit and professional organizations, and local, state, and federal agencies to promote homeownership, small business, and community development opportunities.The Community Lending Officer is also responsible to advise customers on deposit products and services offered by the bank and promote the growth and profitability of the bank by developing and expanding customer relationships and retention. They will work with closely with regional management, retail and small business lending, and other operational areas while seeking new accounts through outreach, calling efforts, marketing, and referrals.Essential FunctionsDevelop relationships with community organizations, MLOs, commercial and small business lenders to improve lending to LMI individuals and within LMI and high minority census tractsEnsure exceptional customer service experience throughout the loan origination processInteract with other team members and other departments in a professional mannerSubmit complete credit applications with supporting documentationDevelop and maintain successful relationships with internal and external referral sourcesProspect new mortgage, small business, community development loansFacilitate communication activities with customers and referral sources during loan origination processReview applications, credit files, and customer qualifications to determine appropriate loan products and pricingCounsel and coach loan applicants to assist them towards their goals and to deliver the best loan products for their needsRequest timely loan rate locks for Secondary MarketingMaintain up-to-date knowledge of loan products including conventional, portfolio, FHA, VA, USDA-Rural Housing programs and secondary market rules; including SBA, Habitat for Humanity, and tax-credit opportunity loansAchieve production and quality goalsCross-sell other Northwest products and services to loan applicantsResponsible for ensuring that they consistently provide the best customer experience possible, and for participation and support of all aspects of the Bank's adopted sales processWork with marketing to create/suggest advertising and promotional materialsConduct and participate in staff meetings as appropriate regarding CRA qualifying lending productsConduct direct business calls / referrals as outlined in the CRA ProgramDevelop and maintain community presence and involvementEnsure growth in revenue producing products and servicesDevelop new and expand existing small business loan relationships within LMI and high minority census tracts, residential loan relationships within LMI and high minority census tracts, deposit relationships within LMI and high minority census tracts, and partnerships with Branch managers, cash management Advisors and Trust and Investment Advisors to promote additional business opportunities and profitability for the BankActively participate in community affairsQuickly establish a consistent SBA business development cadence in the marketplace which includes but is not limited to, Call Planning and Follow-Up, Client Retention Calls, New Client Prospecting, Outbound Telephone Calling Efforts, Networking EventsEducate prospective clients about the Bank's underwriting guidelines, SBA programs and all applicable government regulationsManage Business Banking SBA portfolio of both credit and noncredit clients.Make loan presentations and recommendations to Credit, team leaders and senior

Created: 2025-12-18