Consumer Lending Officer

Job DescriptionWe are searching for a process and efficiency oriented person to oversee and manage the processing, underwriting and closing of consumer loans (solar, personal, auto, micro-business). The ideal candidate will have solid lending experience including underwriting,originating and knowledge of loan documentation, combined with strong systems abilities. In this role you will help the bank and consumer lending function reach its goals through refining processes and achieving greater efficiencies. Primary Responsibilities: Oversee and manage the loan processing, underwriting and closing workflows. Serve as an underwriter as needed on a variety of consumer loan requests including residential solar, auto, personal, credit cards and micro business loans, approving requests within lending authority. Provide mentoring and guidance to the loan underwriting and processing team, including timely resolution of escalated items and issues. Administration of all aspects of the consumer loan/credit card origination solution, including but not limited to document creation and maintenance, interfaces with third parties, data integrity, implementation of software updates, workflow design, and participation in vendor user group conferences and calls to ensure optimal performance. Assists with the performance evaluation of processing, underwriting and closing staff and assists with the resolution of personnel issues. Support branch staff with micro/small business loan requests and coordinating the SBA guarantee process for small business loans. Assist with the management of vendors and business partners to provide ancillary products and services. Develop and maintain written procedures relating to consumer, credit card and micro business lending. Recommend updates or changes for continuous improvement to efficiency as well as customer and employee experience. Stay current with regulatory updates and changes to ensure compliance. Develop, analyze, and complete monthly management reports, including reports related to the Community Reinvestment Act (CRA). Assist with periodic internal and external audits and exams by responding to and fulfilling requests for information needed by auditors. Perform special project and/or administrative work as assigned. Requirements: Associates degree combined with 3-5 years of lending experience including underwriting, processing and closing, or an equivalent combination of professional and educational experience. Excellent written, verbal and interpersonal communication skills with the ability to write procedures, develop processes and communicate process to a variety of audiences. Strong organizational and analytical skills combined with the ability to multi task and prioritize to meet deadlines in a fast paced environment. Must be able to work independently as well as with a team. Proficient in MS Office (Excel, Outlook, Word and PowerPoint). Prior experience with administration of loan origination system/software, small business and SBA lending preferred but not required. To be considered for this opportunity, please submit apply online at /careers. Avidia Bank is an equal opportunity employer M/F/D/V. Member FDIC / DIF Company DescriptionAvidia Bank is a mutual community bank headquartered in Hudson with locations in Hudson, Westborough, Clinton, Leominster, Marlborough, Northborough and Shrewsbury, and now Framingham! We are forward thinking in our application of technology, offering our customers the latest in products and services, and entrepreneurial in entering new lines of business. We offer a generous compensation and benefit package along with a positive, collaborative work environment. Avidia Bank is an equal opportunity employer M/F/D/V. Member FDIC / DIF