Essential Duties & Responsibilities
•Review incoming loan requests to identify appropriate conditions, terms of repayment, loan covenants and actions necessary to perfect the bank's collateral interest
•Interact with Lenders and Lenders' Assistants to insure correct documentation
•Prepare commercial loan documentation utilizing the appropriate software in accordance with Loan Policy, Loan Approval and Regulatory Compliance
•Coordinate with legal counsel on attorney reviewed and prepared loan requests
•Identify Community Reinvestment Act (CRA) and Home Mortgage Disclosure Act (HMDA) loans and input the appropriate reporting information
•Review real estate title and UCC searches and take appropriate action to clear exceptions
•Verify loan documentation for accuracy, completeness and compliance
•Coordinate loan closings with title companies and/or attorneys including the delivery of the loan documents prior to closing
•Send executed loan documents for recording (Mortgages, Deeds of Trust, Vehicle Titles, UCC)
•Perform loan funding functions: verify documentation is properly executed, prepare wire transfer instructions, submit payoffs to other lending institutions or third parties, book loans to the core system as a balanced transactions including all internal tickets
•Work in a fast paced environment, prioritize multiple responsibilities
Supervisory Requirements
Personnel Management: This position has no supervisory responsibilities.
Process Management:
Physical Demands
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
•The physical activities of this position may include climbing, reaching, standing, lifting, talking, hearing and performing repetitive motions.
•Medium exertion; exerting up to 50 pounds of force occasionally, and or up to 20 pounds of force frequently, and or up to 10 pounds of force constantly to move objects.
•The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; viewing a computer terminal.
Work Environment
The work environment characteristics described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
•The noise level in the work environment is usually moderate.
•Employees, who work 7 ½ continuous hours or more, must take a 30 minute uninterrupted lunch break no later than 5 hours after beginning their work day
Education and Qualifications
Essential:
•High school education and diploma
•Attend loan overview course
•BSA and other Bank related training through BAI is required annually
Desirable:
•College Degree
Experience
Essential:
•Knowledge of customer service principles
•Relevant computer skills
Desirable:
•2-3 years of related work experience
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
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 access 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. 41 CFR 60-1.35(c)