Essential Job Functions:
Communicates with loan officers on pipeline reports to ensure timely preparation of the loan process.
Assists with collection of application items; may include ordering credit, entering application, requesting financials and/or other documents required for loan approval, customer follow up, and application tracking.
Directs customers, loan officers, and lending services through loan process, often working with complex real estate loan relationships.
Communicates with attorney on real estate document preparation and real estate title work.
Gathers applicable due diligence required on complex internally prepared real estate loans and attorney prepared real estate loans which may include ordering real estate title work, flood certificates, appraisal and environmental reports, UCC searches, good standings, etc.
Orders internally prepared real estate loan documents and submits attorney prepared real estate loan documents for review through Lending Services.
Assists in reviewing final real estate loan documents for accuracy and assists the loan officer with loan closings.
Assists in reviewing loan and initial tickler set ups.
Images credit files into Bank's central repository system.
Monitors loans and ensures that tickler information including, financials, guarantor information, tax returns, etc. are obtained. Partners with loan officers to discuss past due ticklers. Contacts clients to request tickler items.
Pulls daily, weekly, monthly reports and communication with loan officer, reports may include overdrafts, matured/maturing loans, or annual reviews.
Leads a variety of customer services activities including responding to requests, researching discrepancies, and resolving issues.
Responsible for the servicing of loans, i.e. payments, insurance, etc. Requests payoff quotes from lending services and forwards to loan officers and/or client.
Assists with checking and decisioning overdrafts for loan officers.
Assists with special projects and participate in enterprise lending activities.
Ensures compliance with banking policies, lending practices and regulatory process statutes, such as Patriot Act, Reg B, HMDA, etc.
Maintains knowledge of banking products and services, as well as knowledge of the industries or market areas served. Keeps abreast of current developments and market trends, to further identify and service the customers' needs.
Assists in training of new lending assistant staff and mentoring of existing lending assistant staff. Acts as a main point of contact on daily operational questions for lending assistant team.
Assists with additional duties as assigned.
Complies with all related Federal, State and Industry laws and regulations pertaining to Banking.
Thorough knowledge of and experience in real estate lending techniques and practices
Thorough knowledge of commercial real estate loan documentation
Thorough knowledge of compliance with federal and state regulations pertaining to the banking industry
Thorough knowledge of real estate lending products and services
Strong communication, interpersonal, consultative sales and presentation skills
Works independently and with little supervision
Strong organizational, problem-solving and analysis skills
Sound judgment and autonomous decision-making ability
Ability to effectively communicate with prospective customers and existing customers and banking associates
Ability to handle multiple tasks simultaneously in a fast-paced, diverse and growth-oriented environment
Ability to maintain a high degree of confidentiality
Personal computer skills to include various software packages, including word processing, spreadsheet, electronic mail and presentation, and banking systems