At Midwest Heritage, the core of our culture is taking care of the customer and taking care of each other. Our employees appreciate that their contributions make a direct impact on the success of our business as well as their own personal and professional growth.
Midwest Heritage
Job Title : Ag / Commercial Loan Operations Specialist I
Department : Banking
FLSA : Non-Exempt
General Function : Performs a variety of general to intermediate operational activities to assist and support the commercial and / or agricultural loan operations department. Responsibilities include pre-closing preparation items as determined in underwriting, processing of all documentation related to Midwest Heritage's new and renewed commercial and / or agricultural loans, collateral perfection, booking loans to the loan / core system, funding and servicing loans, and resolving compliance related issues.
Core Competencies
- Loan Knowledge
- Attention to Detail
- Customer Service
- Office Work
- Managing Multiple Projects
Reporting Relations :
Accountable and Reports to : Ag / Commercial Loan Operations Supervisor
Positions that Report to you : None
Primary Duties and Responsibilities :
Responsible for processing commercial and / or agricultural loans including preparing all loans submitted and assigned for documentation, reviewing to ensure that documents are accurate and complete, reviewing files for exceptions and adherence to bank policy and regulations.Coordinating all necessary pre-closing items including but not limited to appraisals, insurance, flood determinations, or items determined by underwriting, loan policy, or regulatory guidance.Preparing, reviewing, disbursing, booking, and servicing commercial and / or agricultural loans, authorizing and preparing documents (i.e. wire, cashier check, general ledger, etc.) for final disbursement of loan proceeds, booking loans in appropriate systems, filing documents to appropriate filing agencies, and ensuring compliance with reporting and regulatory standards.Providing exceptional customer service including corresponding, working with vendors or agencies, following up on data, closing loans, notarizing documents, and answering questions.Creating, analyzing, maintaining, and updating general to intermediate reports, collateral files, including scanning and accurately filing in appropriate systems.Daily monitoring of quality control items and following up with peers for corrections.Managing multiple different transactions, loan officers, appraisers, etc. in an efficient and organized fashion.Knowledge, Skills, Abilities, and Worker Characteristics :
Commitment to the Midwest Heritage mission and willingness to promote the values, policies, and procedures of the organization and departmentModerate to advanced knowledge of agricultural, business, and banking principles and procedures, commercial and / or agricultural loan operationsModerate to advanced knowledge data processing and loan reporting / processing systems knowledgeGeneral knowledge of accounting principles related to loan operations and complianceStrong organizational and time management skills with the ability to prioritize multiple tasks and meet deadlinesProficient computer skills. Microsoft Office preferred (Outlook, Power Point, Excel and Word.)Extremely strong attention to detail including ability to review forms for accuracy and completenessExtremely strong spelling and grammatical proficiencies as well as the ability to read and interpret complex documents, policies, and proceduresStrong interpersonal skills; ability to relate to and interact with people in a friendly, professional manner.Education and Experience :
Bachelor's degree in Business or related field with 3 years progressive experience in a related role OR Associate's degree in Business or related field with 5 years progressive experience in a related role.Physical Requirements :
This position is classified sedentary / light and requires the ability to sit for long periods of time.Visual requirements include : ability to see detail at near range with or without correction.Must be able to perform the following physical activities : sitting for long periods, talking (in person and by telephone), hearing and repetitive motions.Working Conditions :
The duties of this position are normally performed in a general office setting. This is a fast paced work environment.There is frequent pressure to meet deadlines and handle multiple projects in a day.Equipment Used to Perform Job :
Computer (PC with Microsoft Office programs), telephone, calculator, telephone, copier, fax, and printer.
Contacts : This position works with Midwest Heritage employees, customers, Hy-Vee employees, vendors, and outside agents doing direct business with Midwest Heritage.
Confidentiality :
This position has the responsibility to protect the privacy and confidentiality of customers, employees and bank / insurance / financial information at all times.
