Company: United Bank
Location: Glen Burnie
Posted on: July 15, 2019
Requisition Number 19-0125 Post Date 7/3/2019 Title Customer
Advisor City Glen Burnie State MD DescriptionUnited Bank's Marine
Lending division, LH Finance, is seeking a Customer Advisor to join
our growing team in Glen Burnie, MD. The Customer Advisor develops
new and profitable retail marine loan business opportunities for
LH-Finance and, in the process, encourages
customers to broaden their business, deposit, product, and service
relationships with United Bank.
ESSENTIAL FUNCTIONS of the POSITION:
- Responsible for generating leads, sales and business
- Expands business relationships and industry contacts; develops
and pursues network for leads for new business; identifies
- Evaluates and applies established underwriting standards to
requests for loans
- Prepares/reviews documentation, analyzes financial statements,
conducts credit analyses to determine level of risk and
recommendations for approval
- Submits loan packets for review and approval by retail credit
- Develops sales strategies to promote and sell finance products.
Develops and coordinates sales selling cycle and methodology.
- Maintains communication and strong relationships with customers
to ensure issues resolved in a timely manner
- Participates as a productive and positive team member for the
good of LH-Finance
OTHER FUNCTIONS OF THE POSTION:
Observes all loan, credit and administration policies and
guidelines pertaining to LH-Finance's objectives for acceptable
loans. Ensures adherence to regulatory matters.
Keeps informed of developments, trends, regulations, and compliance
matters pertaining to retail lending and makes sure that lending
and retail personnel are informed of any policy and/or procedural
changes on a timely basis.
Maintains community involvement, reinforcing knowledge and respect
for United Bank through participation in industry organizations and
events. Ensures a positive public perception of LH-Finance. All
employees are subject to the requirements of the United
Bank BSA Program. An employee's role with United Bank determines
which parts of the program apply. However, all employees are
responsible for reporting suspicious activity identified in the
course of their work, and all employees are responsible for the
timely completion of mandatory compliance training assigned, such
as BSA and OFAC.
The above duties may not be all-inclusive. The incumbent may be
asked or required to perform other work as time and abilities
DISTINGUISHING CHARACTERISTICS of the POSITION:
Judgment: Work is performed under the general supervision of the
Senior Vice President and in accordance and compliance with Bank
credit policies established by the Board and governmental
regulations, requiring considerable judgment and
initiative in participating in the development and maintenance of
the LH-Finance retail portfolio.
Complexity: Work involves a variety of responsibilities, including
generating leads and sales of profitable new business as well as
community involvement, requiring interpretation of the Bank's
policies and alertness to compliance issues
and their application in lending functions.
Impact of Errors: Errors of judgment may be difficult to detect and
may result in expense, financial loss, and damage to the Bank
through poor lending decisions, failure to achieve established
goals, and inappropriate or inadequate application
of compliance measures, all of which could have an adverse effect
on the Bank's profitability and service to customers.
Interpersonal Relationships: Strong interpersonal skills required;
work involves frequent contacts with potential and existing loan
customers and with the public, within the Bank, in the community,
and in the marine industry, as well
as with attorneys and accountants, requiring initiative,
discretion, diplomacy, discretion, and negotiating skills.
QUALIFICATIONS for the POSITION:
Education/Experience: Bachelor's degree in
Business/Accounting/Finance or equivalent industry and sales
Experience: At least 5 years' progressive experience in a lending
Knowledge, Abilities, and Skills: Thorough knowledge of retail
lending policies, procedures, regulations, and compliance issues.
Knowledge and familiarity with retail marine lending required.
Considerable knowledge of banking operations,
products, and services required. Computer literacy with good
understanding of loan-related software required. Facility with
figures and an analytical mind with the ability to make accurate
evaluations and sound lending recommendations. A thorough
of financial statements and credit analyses required. Articulate,
tactful, and discreet in representing LH-Finance to the public and
to existing and prospective customers. Skill in negotiating loan
terms and conditions. Articulate in reading and writing
skills and in speaking clearly in English.
Physical Requirements: Mobility to travel to dealer locations and
boat shows. Ability to stand or sit for extended periods. Ability
to communicate clearly and concisely.
- Equal Opportunity Employer/Protected Veterans/Individuals with
- Please view Equal Employment Opportunity Posters provided by
- The contractor will not discharge or in any other manner
discriminate against employees or applicants because they have
inquired about, discussed, or disclosed their own pay or the pay of
another employee or applicant. However, employees who have
to the compensation information of other employees or applicants as
a part of their essential job functions cannot disclose the pay of
other employees or applicants to individuals who do not otherwise
have access to compensation information, unless the disclosure
is (a) in response to a formal complaint or charge, (b) in
furtherance of an investigation, proceeding, hearing, or action,
including an investigation conducted by the employer, or (c)
consistent with the contractor's legal duty to furnish information.
Keywords: United Bank, Baltimore , Customer Advisor, Accounting, Auditing , Glen Burnie, Maryland
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