Loan Processor

POSITION SUMMARY

Manages loan customers banking needs by assisting with loan transactions, loan documentation, and responding to customer inquiries with appropriate information, problem solving and cross selling. Provides internal customer service by assisting other Loan Department staff. Performs duties independently with limited supervision

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ESSENTIAL FUNCTIONS

Reasonable Accommodations Statement

To accomplish this job successfully, an individual must be able to perform, with or without reasonable accommodation, each essential function satisfactorily. Reasonable accommodations may be made to help enable qualified individuals with disabilities to perform essential functions.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned:

1) Provides high quality customer service by greeting customers, using customer names, asking appropriate questions to determine needs of customers, and responding to customer inquiries and scheduling appointments. Provides information by promptly answering the telephone, directing telephone inquiries and lobby customers to proper personnel, and answering basic customer inquiries. Transfers more complex inquiries to proper personnel. Communicates effectively with other staff in all offices to further enhance compliance, policies, and teamwork on a timely basis. Requires teller transactions along with drawer balancing.

2) Maintains accurate customer account information by filing/imaging documentation, composing correspondence and/or loan documents, inputs new account information and maintenance on data base with accuracy and speed, and maintains appropriate teller records. Work with originating, researching, and clearing all appropriate ticklers on the respective lender’s tickler reports. Provides retail banking customer service by following standard bank procedures by recording savings and checking deposits, loan payments, processes account withdrawals, and mail deposits.

3) Ensures accuracy of bank records by maintaining the knowledge of both state and federal bank regulations and MBT Bank policies for the purpose of documentation, account information and other services with the current software program for customer and internal customer needs.

4) Supports the effective lending operation by performing the opening and closing procedures, obtains and distributes incoming/outgoing mail correspondence, and assists with inquiries on loan information. Provides analytical and technical monitoring loan documentation for the Loan Officers and other staff members. Handles interruptions with ease while still maintaining focus and accuracy. Manages several assignments simultaneously, completes independently and meets deadlines accordingly. Able to work extra time, when required to meet deadlines.

5) Provides teamwork and support in all areas by assisting customers and employees that are not within your normal job duties. Communicates effectively with co-workers and supervisor to divide daily workload, resolves issues, and make procedure adjustments as needed. Ability to work within a “team environment” in a cooperative manner. Communicates with coworkers and supervisor information required for maintaining consistency throughout the area. Remains flexible for unexpected changes in daily workload and timing. Builds customer relationships by assisting in non-essential duties involving fairs, parades and other bank activities as required.

6) Provides additional financial services to customers by responding to customer questions with referrals to MBT Investment Center, MBT Insurance Department, Universal Bankers, and other banking departments.

POSITION QUALIFICATIONS

SKILLS & ABILITIES

• Education:
• High School Diploma or equivalent
• Experience:
• Two or more years of banking experience and/or working knowledge of business, office, or bank functions.
• Certificates, Licenses, Registrations
• None
• Computer Skills:
• Proficiency in the use of basic office equipment, 10-key calculator, keyboarding, Microsoft Office, web-based software, banking software, and overall computer navigation.

SUPERVISORY RESPONSIBILITIES

None

PHYSICAL DEMANDS

N (Not Applicable) Activity is not applicable to this position.

O (Occasionally) Position requires this activity up to 33% of the time. (2-2.5 hrs/day)

F (Frequently) Position requires this activity from 33% - 66% of the time. (2.5 – 5.5 hours/day)

C (Constantly) Position requires this activity more than 66% of the time. (5.5 hrs/day)

Physical Demands Lift/Carry

Stand O 10 lbs. or less O

Walk O 10-20 lbs. O

Sit C 21-50 lbs. O

Manually Manipulate F 51-100 lbs. O

Grasp F Over 100 lbs. N

Reach Outward F

Reach Above Shoulder O Push/Pull

Speak C 12 lbs. or less O

Climb O 13-25 lbs. O

Crawl O 26-40 lbs. O

Squat or Kneel O 41-110 lbs. N

Bend O

Other Physical Requirements

• Vision

WORK ENVIRONMENT

The work environment characteristics described here are representative of those that are generally found in a bank office environment.

• Work is generally sedentary in nature.
• The working environment is generally favorable but may have fluctuations in office temperatures.
• Work is generally performed within an office environment with standard office equipment available.
• May have distractions from other people’s conversations, coin machines, and drive-up loudspeakers.