What are the responsibilities and job description for the Lending Assistant position at Finemark National Bank?
Position Summary: In compliance with established policies and procedures and federal and state regulations, works closely with loan officers, credit analysts and clients in the coordination of the entire loan process - application, loan documentation and closing. Provides administrative support to the lending function. Conducts some maintenance on all loan types.
Essential Duties and Responsibilities:
Essential Duties and Responsibilities:
- Reviews weekly reports to assist the lender in addressing: maturing loans, ticklers, past dues, rejected auto payments and insurance needs
- Assists the lender with proactive client communication for payment, financial information, and insurance
- Assists the lender to draft credit memos and thorough credit analysis for personal, residential and commercial loans
- Requests and reviews credit reports; prepares Fact Act if needed
- Prepares monthly margin reports, as needed
- Assists with documentation of trust distributions for RM approval
- Prepares initial Credit Arrangements Sheets and loan applications for renewals, extensions, rate modifications
- Processes address changes and loan account maintenance for existing loans
- Manages list of maturing credits, overdrafts and past dues
- Acts as liaison between the lending team and the loan operation’s team
- Communicates with borrowers/clients, attorneys, realtors and insurance agents as needed, to facilitate the loan process
- Manages the appraisal process, from the order initiation to receipt of the report and review.
- Occasionally close loans/renewals with clients in the absence of the loan officer
Education, Skills and Experience:
- At least three (3) years of experience providing administrative lending support within a financial institution
- Strong knowledge of RESPA, TRID/Regulation Z (Truth-in-Lending), Flood Disaster Protection Act, Equal Credit Opportunity Act, Fair Housing Act and Fair Credit Reporting Act, etc.
- Experience with credit pricing, fees and loan profitability
- Knowledge of trust, LLC and other entity information and structure is a plus
- Excellent proofreading skills and attention to detail
- Excellent written and verbal communication
- Excellent interpersonal skills
- Ability to efficiently multitask and organize
- Proficient in Microsoft Office suite (Outlook, Word, Excel)
- Good working knowledge of common office equipment such as fax machines, copy machines, scanners, etc.
ADA Job Description: The physical requirements and activities described herein 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.
Physical Requirements. This position primarily requires sedentary work; exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time. Walking and standing are required only occasionally.
Physical Activities. The following physical activities are frequently required: talking is required to express or exchange ideas by means of the spoken word and hearing, with or without correction, is required to perceive the nature of sounds at normal speaking levels. The use of fingers is frequently required to pick, pinch, type (e.g., keyboard) or otherwise work, primarily with the fingers rather than with the whole hand as in handling. There is frequent repetitive motion which requires substantial movements (motions) of the wrists, hands, and/or fingers. This position may occasionally require that a person climb, balance, stoop, kneel, crouch, crawl, reach, push, pull, lift, grasp and/or feel.
Visual Acuity Requirements. Close visual acuity and the ability to adjust focus, with or without correction, are required to perform activities such as, viewing a computer monitor or written materials and documents; reading; writing; preparing and analyzing data and figures; transcribing; close visual inspection. Some distance vision and color vision may be necessary.
Environmental Conditions. A person is not substantially exposed to adverse environmental conditions and only exposed to moderate noise; they may occasionally work near moving mechanical parts or machinery such as a copier/printer.
FineMark National Bank & Trust complies with the Americans with Disabilities Act (ADA) and the Americans with Disabilities Amendments Act (ADAAA). During the interview process, you may be asked questions concerning your ability to perform job-related functions. As an equal employment opportunity (EEO) employer, FineMark National Bank & Trust adheres to a policy of making employment decisions without regard to race, color, religion, sex, national origin and status as an individual with a disability or protected veteran. We assure you that your opportunity for employment with FineMark depends solely upon your qualifications.
FineMark is a Drug-Free Workplace. Before hire, drug tests are conducted for all positions. Drug and alcohol tests may be conducted during employment. You may request a copy of FineMark National Bank & Trust’s Drug-Free Workplace Policy by contacting 239.461.3896.
