POSITION SUMMARY:
Develop skills to assist and participate in the entry of data and analysis of commercial and agricultural credit information for the lending department and customers in conjunction with other Credit Administration staff. This position will also assist with the management and review of commercial and agricultural loan administration processes, incorporating documentation, and post-closing review.
ACCOUNTABILITIES: ***
Service: 60%
- Analyzes financial statements to assess performance ratios, strengths and weaknesses as pertaining to a borrower’s historical operating performance. Analysis to encompass commercial and ag credits of any size under the direction/guidance of SVP Credit Administration and/or Lending Relationship Officer. Will also assist Lending Relationship Officers with analysis of credit requests and compilation of credit packets
- Prepares necessary spreadsheet detail of all applicable financial information and provides written analysis of facts and/or opinions of loan requests for professional presentation to approval committees.
- Perform analysis of Home Loan Center credit requests, as applicable, including preparation of the loan request presentation for committee approval.
- Attends Officers Loan Committee, as necessary, to answer questions and/or present credit presentations he/she is involved in.
- Accepts requests for appraisal orders for commercial/Ag properties and residential real estate loans. After selecting a board approved appraiser, prepares and delivers written request to the appraiser, monitors timeliness of receipt of appraisals ensuring prompt customer service for anticipated closing dates. Records status of all appraisals in the tracking worksheet on the Intranet.
- Reviews appraisals for adherence to bank policies and USPAP guidelines. Provides appraisal and written appraisal review report in a timely manner. Reports any discrepancies or other appraisal issues to the VP/Compliance Officer.
- Accepts requests for evaluations of residential, commercial, and Ag RE. Prepares evaluations in accordance with bank policy for use in reviews of pending credit requests.
- Participates in customer meetings as requested (may require travel at times.)
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- Sales: 20%
- Reviews credit files for cross sale opportunities for completing referral opportunities to appropriate department/personnel.
- Evaluates how bank services can mitigate risk.
- Maintains historical studies of customers by compiling and analyzing financial developments and comparing industry statistics with the company’s exposure to the industry.
- Works with the Lenders and Lending Relationship Officers in reviewing new loan requests and associated financial data to determine whether the loan is within acceptable bank risk standards and in keeping with Loan Policy.
- Cross-sells bank products by answering inquiries; informing customers of new services and product promotions; ascertaining customers’ needs; directing customers to a branch representative.
Other: 20%
- May be assigned specific workout and collection duties.
- Compliance duties as assigned by SVP Credit Administration
- 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.
- Participates in special projects as assigned.
*** % is based on average of all positions; some %’s may vary dependent upon the location
COMPETENCIES
Analyzing Data or Information
- Identifies the underlying principles, reasons, or facts of information by breaking down information or data into separate parts.
Obtain/Process Information
- Obtains information from relevant sources and compiles, codes, categorizes, calculates, tabulates, audits or verifies information or data.
Interpretation of Information to Others
- Translates or explains what information means and how it can be used.
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.
Active Listening
- Gives full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
Critical Thinking
- Uses logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.
Judgment/Decision Making
- Considers the relative costs and benefits of potential actions to choose the most appropriate one.
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.
Team Skills
- Works together with a group of people to coordinate and to help each other in daily tasks.
Mathematical Reasoning
- Demonstrates the ability to choose the right mathematical methods or formulas to solve a problem.
Computer Skills
- Uses a computer and computer systems (including hardware and software) to enter data and process information.
