Loan closer Jobs in West Jordan, UT

Relationship Manager/Loan Officer

Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health optimization on a global scale. Join us to start Caring. Connecting. Growing together.

The Relationship Manager/Loan Officer will be responsible for maintaining and developing lending relationships to support the bank in building and maintaining its solid credit portfolio. This will involve working closely with current and potential lending partners, borrowers, bank credit administration, chief credit officers, the Credit Committee, and bank management. The Relationship Manager will source, review, and present loan requests to Credit Committee members for preliminary approval.

You'll enjoy the flexibility to work remotely from anywhere within the U.S. as you take on some tough challenges. For all hires in the Minneapolis or Washington, D.C. area, you will be required to work in the office a minimum of four days per week.

Primary Responsibilities:

• Loan Officer will work with the go-to market team to originate large loans. They will be the primary interface with the CFO/CEO of the Provider organization to determine appropriate size, structure, and terms & conditions of the loan
• Manage relationships with third-party and direct lending partners
• Host and visit clients annually to deepen relationships, including as opportunities arise for conferences or site inspections associated with loan opportunities
• Evaluate, recommend, and complete due diligence for new lending opportunities and relationships with new lending partners
• Develop and maintain positive relationships with internal and external clients
• Works with the credit analyst to analyze data; underwrites the credit; and develops a credit request to be presented to the proper loan authority and/or committee
• Establish and negotiate, when necessary, the terms under which credit will be extended, including the costs, repayment method and schedule, and collateral requirements
• Ensures the protection of the Bank's interests in matters of adequate documentation, adherence to Bank policy, and the various laws and regulations applicable to loan operations, as well as the exercise of sound credit decisions
• May assist in servicing commercial loans by processing items, such as payoffs, loan modifications, and problem loan work-out arrangements
• Interviews applicants for commercial loans, approves and/or declines loan requests, processes, and documents new loans
• This includes, but is not limited to, monitoring daily delinquency, daily non-sufficient fund activity, and maintaining overall portfolio delinquency and charge off levels consistent with established goals
• Responsible for the on-going management of a sizeable loan portfolio
• Responsibility includes, but is not limited to, collection of all required annual and periodic financial reporting, timely completion of semi-annual/ annual reviews as required by policy and renewing maturing loans in a timely fashion with minimal requests for short-term maturity extensions
• Responds to telephone inquiries from customers; explains loan procedures and provides technical assistance; answers questions concerning loan rates, terms and related matters

You'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in.

Required Qualifications:

• 7+ years of experience analyzing business and personal financial statements associated with loan requests
• 7+ years of experience underwriting consumer and commercial loans
• 5+ years of experience working in credit or lending role with a commercial bank
• 3+ years of experience making or recommending credit decisions on transactions > $5 million
• 2+ years of experience managing relationships with Borrowers or third-party lending partners
• Experience communication with C suite executives
• Ability to travel 25% annually

Preferred Qualifications:

• Completion of a formal commercial credit training program
• Experience working out problem loans

*All employees working remotely will be required to adhere to UnitedHealth Group's Telecommuter Policy

Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The salary for this role will range from $91,700 to $163,700 annually based on full-time employment. We comply with all minimum wage laws as applicable.

Application Deadline: This will be posted for a minimum of 2 business days or until a sufficient candidate pool has been collected. Job posting may come down early due to volume of applicants.

At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission.

UnitedHealth Group is an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations.

UnitedHealth Group is a drug - free workplace. Candidates are required to pass a drug test before beginning employment.