Consumer Loan Specialist I

General Purpose

The Consumer Loan Specialist I position is the entry level position in the Consumer Loan Underwriting Team. Under direct supervision, the Consumer Loan Specialist I will review and evaluate consumer non-real estate loan applications using the Bank's automated loan platform system.

Essential Duties/Responsibilities

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

• Understanding of different types of consumer loan applications and disclosures used for each.
• Understands consumer loan documentation and follows compliance regulations.
• Discerns the Bank's loan policy guidelines and underwrites loan requests within lending parameters.
• Inputs loan application into loan software and upload any supporting documents that are sent by the location contact.
• Reviews system decision recommendation by analyzing the application information, credit report history, debt-to-income ratio, and the collateral loan-to-value ratio.
• Reviews and deciphers essential information on an applicant's credit history report.
• Identifies missing items or information and communicates with location contact and customer.
• Ensures underwriting meets loan policy requirements with supervisor review and assistance.
• Decisions the loan and articulates decision to both the customer and the Retail Branch Representative.
• Orchestrates loan closing between the customer and the Retail Branch Representative or completes adverse action for disclosure.
• Regular and reliable attendance is required as an essential function of this position.
• Performs other duties as assigned.

Employees are held accountable for all duties of this job.

Job Qualifications

Knowledge, Skills, and Ability:

• Teamwork ethics: demonstrates ability to work successfully as a team player.
• Demonstrates a positive attitude and adaptability, especially regarding workflow process and technology changes.
• Displays motivation to initiate work; is a self-starter.
• Ability to work independently.
• Organizational skills: ability to effectively prioritize, be detailed oriented, and manage workload.
• Good analytical abilities to gather and interpret data and decision basic loan requests.
• Ability to work in a fast-paced environment with a desire for professional growth.
• Strong verbal and written communication skills.
• Working knowledge of Loan Policy desired.
• Computer Skills: Underwriters require advanced computer skills and must be proficient with Excel, Word, and financial analysis software and other spreadsheet packages.

Education or Formal Training:

• High School Diploma or General Education Diploma (GED) equivalent required.
• Possession of, or ability to obtain, a valid NMLS License, required.

Experience:

• Minimum of 2 years of banking experience preferred.
• Experience with loan compliance and loan documentation preferred.
• An equivalent combination of education and experience may be substituted on a year-to-year basis.

Working Conditions

Working Environment:

This job operates in a professional office environment. After successful training in the role, the role allows for a hybrid schedule to include remote work and in office. In-office attendance requires a minimum of two (2) days per week. This arrangement can be modified or removed at any time, at management discretion. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

Physical Activities:

These are representative of those which must be met to successfully perform the essential functions of this job.

This is largely a sedentary role. While performing the duties of this job, the employee is regularly required to talk or hear. Good eyesight and hand/finger dexterity are required. Specific vision abilities required by this job include close vision, distance vision, color vision, and ability to adjust focus. Ability to handle some mental stress when dealing with upset customers. Employee also may have to lift up to 25 pounds. Repetitive motion likely.

Note: This job description is not intended to be an exhaustive list of all duties, responsibilities, or qualifications associated with the job.

Starting Rate of Pay is from $19.50 to $24.50 per hour, depending on experience.

For an overview of our employee benefits please visit: Alpine Bank Careers Page

Position anticipated to close December 30, 2025, or until filled.