POSITION SUMMARY:
Under limited supervision, but following established policies and procedures, provides secretarial and administrative services for the loan department. Processes simple loans from application to closing. Establishes loan files and orders documentation required to process loans. Prepares loan documents and processes loan files after closing to ensure that documents are recorded and filed. Responsibilities include; maintaining lending department specific files, typing routine letters and memos, receiving and directing visitors, preparing correspondence in final form, maintaining files and records, scheduling tentative appointments, and completing special projects as assigned.
ACCOUNTABILITIES: ***
Service: 60%
- Performs administrative duties relating to making and servicing loans. The duties include, but are not limited to, the preparation and review of loan documentation prior to disbursement, gathering information for and preparation of loan review documents, and updating in-house credit files and coordinating loan closings with lenders in all locations as needed to complete remote delivery in a timely manner.
- Prepares loan documents for loan closings and renewals with supervision. Manages exceptions lists and assists with customer service after closing. May process loan payments for customers.
- Works with the Lenders in reviewing loan requests and associated financial data to determine whether the loan is within acceptable bank risk standards and in keeping with loan policy.
- Audit loan documentation, ensuring completeness, proper documentation, correct rate, proper liens and inspecting newly keyed loans for accuracy. The incumbent is responsible for performing the administrative functions, such as typing correspondences/memos, answering telephones, generating reports, and may provide any other necessary support necessary to obtain the objectives and goals of the unit. Generate collateral documents to be utilized as security on loans. Prepares loan documentation for officers.
- Maintains all loan files by preparing and filing documentation; maintains tickler system for in-process and up-coming work; prepares for delivery to secondary market (when needed).
Sales: 20%
- Cross-sells bank products by answering inquiries; informing customers of new services and product promotions; ascertaining customers’ needs; directing customers to a bank representative when appropriate.
Other Duties: 20%
- Assists the Team in the documentation, standardization, and measurement of key business processes to promote a total quality management environment and to allow for the continual improvement and efficiency of key departmental processes. Performs certain duties related to the overall function of the Team. These duties will vary depending upon overall team needs and individual ability and experience.
- May serve as receptionist.
- May provide back-up as necessary for the tellers.
- Maintains customer confidence and protects bank operations by keeping information confidential.
- Contributes to team effort by accomplishing related results as needed.
- Maintains professional and technical knowledge by attending educational workshops, reviewing professional publications, establishing personal networks, and participating in professional societies.
- Participates in civic and community activities to generate visibility and contact for the bank.
- Attends mandatory compliance and security sessions. Monitors daily work for adherence to compliance and security regulations, policies/procedures, and promptly corrects any deficiencies.
*** % is based on average of all positions; some %’s may vary dependent upon the location
COMPETENCIES:
Customer Service
- Exhibits customer focus, acknowledges & listens to customer, and provides friendly, courteous, and efficient service.
Interpersonal Relationships
- Develops constructive & cooperative working relationships with others and maintains them over time.
Verbal/Written Communication Skills
- Provides information to customers outside the organization, supervisors, co-workers, and subordinates clearly and concisely in writing, by telephone or through e-mail.
Obtain/Process Information
- Obtains information from relevant sources and compiles, codes, categorizes, calculates, tabulates, audits or verifies information or data.
Problem Solving
- Analyzes information and evaluates results to choose the best solution and solve problems.
Computer Skills
- Uses computers and computer systems (including hardware & software) to enter data and process information.
Judgment/Decision Making
- Considers the relative costs and benefits of potential actions to choose the most appropriate one.
Attention to Detail/Accuracy
- Is careful, exact, and free from mistakes and errors. Adheres closely to a set of standards.
Compliance/Banking Regulations
- Uses relevant information and individual judgment to determine whether events or processes comply with laws, regulations or standards.
Documenting/Recording/Processing Information
- Enters, transcribes, records, stores or maintains information in written or electronic/magnetic form.
