Lending Officer

• Conduct interviews with customers to address loan inquiries
• assess eligibility, character, affordability, security, and other key factors in consumer credit assessments
• process loan applications using the appropriate Loan Origination System
• issue approval letters and compliance-related documentation to customers
• prepare loan contracts and ensure the establishment and maintenance of proper security
• ensure all lending conditions are met, ensuring loan documentation is complete, and facilitating funding according to settlement instructions
• identify potential business development opportunities throughout the lending process
• perform loan administration tasks as directed by the Loans Manager
• comply with relevant regulatory codes, policies, and legislation
• prepare and manage discharge requests (inward and outward) for settlement
• process loan variations and collaborate with the team to meet customers’ needs
• manage progress payment requests for construction lending
• maintain regular communication with customers throughout the application process and provide general office support as needed
• handle collections activities for the organization
• ensure compliance with regulations and policies in all documentation from application through to settlement
• collaborate with third-party solicitors to coordinate and complete purchase and refinance settlements
• prepare lending data for inclusion in monthly and annual reports
• complete post-settlement tasks as needed
• work with the Loans Manager to discuss and resolve customer scenarios to achieve the best outcomes
• ensure adherence to compliance requirements under Financial Services Reform (FSR) legislation.

• DLA qualification with a loan portfolio of $500k to $1 million
• minimum of 3-5 years of experience in a credit/lending environment
• previous experience in a Lending or Credit Assessor role is requried
• exceptional verbal and written communication skills
• strong ability to prioritize tasks and meet service level expectations
• proficient in Microsoft Office Suite (Word, Excel, PowerPoint, etc.)
• meets organizational competency standards outlined by Financial Services legislation (minimum Tier 2)
• ability to work efficiently under pressure and meet deadlines
• high attention to detail and flexibility to adapt to change
• in-depth understanding of privacy legislation and related acts pertaining to lending products.

Potential for permanency