Loan Assistant

Job Title: Loan Assistant

You are a valued part of our Unity Experience.

Our employees embrace ideas, share openly and honestly, and believe in meaningful work for all. We are innovative, we encourage, we collaborate, we are authentic, and we live in a care culture. Our work environment is a trust-based, collaborative, open, transparent workspace where our bankers feel good and do good. Each employee builds their own sense of pride and ownership for what we do, taking responsibility for their roles and duties. Employee engagement and customer experience are always at the forefront of all we do.

At Unity Bank, we are proud to be a community bank, at the heart of every community we serve. We feel strongly that when our customers choose Unity Bank, our customers are investing in and strengthening our communities; funding local farmer’s seeds, opening doors on main street, and unlocking opportunities for our neighbors.

Every customer is unique. We value each conversation. We listen to our customers; we are curious, and we connect. We build relationships. We aspire to deliver high quality personalized service that our valued customers need and want. We feel the deep understanding and passion to deliver solutions that truly make a difference. We help people achieve their dreams. We share our Unity Experience with all.

The Loan Assistant provides exceptional service to Commercial Relationship Managers bank wide and assists in gathering information required for commercial loan applications. This would include file maintenance requests, documentation for commercial and agriculture loan applications and renewals, completing ticklers to identify items and exceptions, and noting any deviations from Unity’s Loan Policy.

The Loan Assistant works collaboratively with commercial relationship staff, loan operations, compliance, and other bank departments to help create a productive, team-oriented work environment that leads to customer service excellence.

Principal Responsibilities & Duties:

Loan Assistant Level

Product knowledge/experience

I

Able to prepare and close loan files; order credit reports, title work, and appraisals; record mortgages including using Simplifile; assist lenders through CreditQuest; process closed loans; and keep tickler lists current.

II

Able to prepare and close loan files; order credit reports, title work, and appraisals; record mortgages including using Simplifile; assist lenders through CreditQuest; process closed loans; keep tickler lists current; proficient in Farmer Mac, Swaps, and/or Niche lending.

• Works collaboratively with Commercial Relationship Manager(s) to anticipate, identify, and collect documents needed for efficient, and timely approvals on new and existing credits.
• Provides technical advice or other assistance to Commercial Relationship Manager(s) as needed.
• As requested by the Commercial Relationship Manager(s), may schedule appointments, respond to customer inquiries, prepare written correspondence, and participates in customer meetings. This may include correspondence related to delinquencies or collection activity.
• Works collaboratively with Commercial Relationship Manager(s), loan processing, loan servicing, compliance, and other support to collect all pertinent information required for the loan presentation and to monitor the existing portfolio.
• Works directly with Commercial Relationship Manager(s) to remove administrative tasks from them so their efforts can be focused on business development. Some of these functions could include the following: processing loan disbursements, completing loan draw requests (wire transfers and general ledger tickets), loan renewal or loan extension paperwork, preparing paid loan documents, etc.
• At the direction of the Commercial Relationship Manager(s), creates and starts collateral and credit files, which may include ordering credit reports, title work, appraisals, etc.
• Accurately analyzes loan files to make sure all necessary items are in the file and communicates with Commercial Relationship Manager about missing items and creates ticklers as needed for follow up.
• Ensures that all credit files are complete, identifies any document deficiencies, and proactively resolves these issues with the Commercial Relationship Manager and Loan Processing. When needed, issues are escalated for timely resolution.
• In order to prevent renewing loans from appearing on the delinquency list, advises Commercial Relationship Manager about expiring lines of credit and assists in the renewal of these loans/lines in a timely fashion.
• Assists in performing due diligence of customers by collecting and maintaining industry data; researching industry specific information from outside sources including conversations with the borrower, industry publications, references from other banks, credit agencies, as well as accessing information through the internet.
• Maintains an active knowledge base of all of the Bank’s loan products and the Bank’s Loan Policy and procedures in order to identify exceptions to policy. This would include completing all required training, assigned, in a timely manner, related to the job function.
• As part of the overall team of bank employees, this position may be requested to assist in the support of other bank activities.

Working Conditions: Bank/office environment, secure, comfortable working conditions. May be required to travel to/from branch offices, corporate office, and other facilities.

Benefits: 401(k), 401(k) matching, Dental insurance, Disability insurance, Employee assistance program, Health insurance, Health savings account, Life insurance, Paid time off, Vision insurance.

This is a position for which:

• Military experienced candidates are encouraged to apply
• Job seekers of all ages, including older job seekers are encouraged to apply.
• Applicants with disabilities are encouraged to apply.

Unity Bank is an Equal Opportunity Employer