LENDING ASSISTANT

Job Description 

Job Title:                     Lending Assistant                                                         Last Updated:   8-2020

Department:                Lending 

Reports to:                  Commercial Banker

FLSA Status:               Non-Exempt

Position Summary: 

The primary purpose of this position is to assist the Commercial Banker in the intake and document gathering process of loans for existing and potential borrowers. 

Essential Duties and Responsibilities:

Include the following:

Prepare loan checklists.

Assist Commercial Bankers as needed.

Order title commitments, surveys, appraisals, and environmental assessments.

Obtain Corporate Documents.

Gather loan data and supporting documents for new and renewed loans as well as for early disclosures for mortgage loans.

Stay in contact with title, insurance companies, etc., to gather documents needed for loan preparation and closing.

Collect tax returns, collateral statements, rent rolls, etc. to keep files current.

Work collateral exceptions.

Assist customers with loans and respond to their inquiries regarding loan services and depository accounts.

Prepare internal transfers or loan advances as needed or requested.

Assist in closing loans. 

Review and work exception report.

Review past due and maturing loan reports and call customer/Commercial Banker to coordinate appropriate action.

Process Loan Renewals and clear exceptions.

Locate NAICS Codes.

Gather HMDA Information and submit to Loan Administration with loan package.

Works with Commercial Bankers to close loans.

Look up real estate tax searches for proof of paid property taxes on loans on exception report.

Have a clear understanding and comply with all bank procedures, laws and federal regulations.

Encourages Customers to open Deposit Accounts.

Follow all established policies and procedures in completing the essential duties

Follows Texan Bank's goals, mission, vision and values.

Works cooperatively with other areas of the bank to accomplish goals.

Understands and complies with all bank procedures, laws and federal regulations.

Completes all required and ongoing education and training.

Other duties as assigned.

All Bank employees are expected to recognize suspicious activity and are responsible for discussing unusual transactions, circumstances, behavior, or activity with supervisory personnel or BSA Officer.   All Bank employees are required to keep confidential any suspicious activity customers may exhibit.  Failure to abide by this requirement may result in monetary penalties assessed to the Bank and employee, up to and including termination.

Competencies:

To perform this job successfully, an individual must exhibit the following competencies in the performance of the essential duties and responsibilities of the job.

Competency                     Description

Dependability                      Responds to requests for service and assistance. Follows instructions, responds to management direction. Takes responsibility for own

                                            actions. Commits to doing the best job possible. Keeps commitments. Meets attendance and punctuality.

Oral Communication         Speaks clearly and persuasively. Listens and gets clarification. Responds well to questions. Demonstrates group presentation skills.

                                          Participates in meetings.

Quality                               Demonstrates accuracy and thoroughness. Displays commitment to excellence. Looks for ways to improve and promote quality. Applies

                                          feedback to improve performance. Monitors own work to ensure quality.

Safety and Security             Observes safety and security procedures. Determines appropriate action beyond guidelines. Uses equipment and materials properly.

                                            Reports potentially unsafe conditions. 

Written Communication      Writes clearly and informatively. Edits work for spelling and grammar. Varies writing style to meet needs. Presents numerical data effectively.

Job Knowledge                   Competent in required job skills and knowledge. Exhibits ability to learn and apply new skills. Keeps abreast of current developments.

                                            Requires minimal supervision. Displays understanding of how job relates to others. Uses resources effectively.

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The recommendations listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education/Experience:

High school diploma, or GED, or a minimum of one year related experience, and/or training or equivalent combination of education and experience.

Language Ability:

Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulation. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

Math Ability:

Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane and solid geometry and trigonometry. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.

Reasoning Ability:

Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.

Computer Skills:

Microsoft Office (Word, Excel, PowerPoint, Outlook, Internet Explorer) and Fiserv Premier

Certificates and Licenses:

None required.

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 demands typically found in an office environment.
• Not required to lift more than 25 lbs.

Work Conditions:

          The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

                The characteristics typically found in a normal office environment.

Note: Nothing in this job description restricts management’s right to assign or re assign duties and responsibilities to this job at any time.