Loan Processor II
Job Details
Charles City branch - Charles City, IA
Loan Processor II


Act as the primary representative of the officers in connection with the servicing of the loan portfolio and/or deposit relationships in a sales and support capacity. The Loan Processor II, in conjunction with the account officer, is expected to develop and maintain a high standard of customer service through excellent communication skills, and dedication to service excellence. The incumbents are expected to operate with minimal supervision; have a full range of product knowledge and the ability to interface with customers on a daily basis; have a good business development attitude and the ability to handle confidential information in a professional manner. The incumbent should also recognize opportunities to cross sell products and services offered by the bank. Assists the Loan Officers in servicing loans. Provides administrative services to lenders including loan review preparation, managing exception lists, updating in-house credit files, and closings for loan renewals. Provides secretarial support such as typing and assisting with the maintenance of department records and files.



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.

· 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.

· Prepares loan documents for more complex loan closings and renewals with little supervision. Manages exceptions lists and assists with customer service after closing. Assist the loan officers with coordination of required annual account reviews. Assist the officer with the continual tracking of all critical dates for the assigned portfolio. Gather, research and prepare customer and prospective customer information for the officers. May process loan payments and type loan officer file comments.

· 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. Works with the Loan Officers in approving the release, substitution or collateral in accordance with loan policy.

· 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.

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.

· Maintains customer confidence and protects bank operations by keeping information confidential.

· May accompany officer on customer or prospective customer calls.

· May serve as lead lender support for real estate underwriting or consumer loans. Manages flow of information on closed real estate files.

Other: 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. This may include performing the Team Leader and/or Team Secretary function as directed by team members.

· Serves as support for ag, commercial, and residential real estate mortgage underwriting.

· May serve as receptionist.

· Maintains customer confidence and protects bank operations by keeping information confidential.

· Maintains professional and technical knowledge by attending educational workshops, reviewing professional publications, establishing personal networks, and participating in professional societies.

· Contributes to team effort by accomplishing related goals, as needed.

· 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


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.



· Work is performed primarily indoors in an office setting.


· Position accountabilities are typically performed while sitting for most of the day. The physical and mental demands of this position are representative of those that must be met by an employee to successfully perform the essential position accountabilities. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential position and accountabilities. First Citizens Bank reserves the right to review each requested accommodation and determine if it poses an undue hardship.


· High School Diploma or equivalent with 2+ years in the banking industry in an administrative/lending environment with customer service experience required. College courses relating to business, accounting and/or finance preferred. The incumbent must have the ability to support the applicable officers/managers and be customer service oriented to fulfill the internal and external customer needs effectively and efficiently.

· Skill in performing basic mathematical principles (such as addition, subtraction, multiplication, division, decimals) in account transactions.

· Proficient clerical skills that include transcription of taped dictation, use of standard office equipment, word processing and spreadsheet experience with a minimum typing speed of 50wpm.

· Knowledge of the layout and functions of the computer keyboard and ten key adding machine; skill of using the touch system to perform date input.

· Knowledge of and ability to cross-sell FCB products and services to customers-such as the ability to identify customers’ needs, communicate services, explain advantages, and close sales activity.

· Skill in working with the public, presenting a professional image of the bank, and servicing prospective and current customer inquiries, requests, and complaints.

· Skill & knowledge of Bank loan software analysis systems and loan documentation systems.