Commercial Loan Assistant
Job Details
Senior
Corporate Office & Main TN - Brentwood, TN
Full Time
Description

PURPOSE OF JOB

 

Responsible for the administration of various types of loans.  Handles activities such as processing loan payments, construction and line of credit draw advances, perfecting loan collateral and maintaining loan files.  Assists commercial bankers with new loan requests, renewals and modifications.  Assists commercial bankers with documentation and collateral exceptions.  Responds to routine customer service questions and resolves problems. 

 

JOB DUTIES AND RESPONSIBILTIES

 

  • Supports Commercial Lending Bankers as assigned
  • Provides excellent customer service to both internal and external customers, including recommendation of appropriate bank products and services
  • Gathers information to efficiently process transactions and requests
  • Assists with the preparation of loan approval workbooks for new and renewal loan requests, including ordering credit reports
  • Orders construction inspections and coordinates with customers the funding of construction draw requests
  • Assists with gathering financial and corporate documents from clients
  • Works within established criteria to approve draws and maintain construction draw files
  • Coordinates loan closings between bank, borrower, and title company, and assists in the closing of loans as needed
  • Communicates with attorneys and title companies to schedule closings, requests and preliminarily reviews loan documentation packages and settlement/HUD/closing statements to ensure smooth closings
  • Communicates with insurance companies to ensure correct lien holder clause and property coverage amounts are on required insurance certificates
  • Disburses loan funds as needed
  • Prepares cashier’s checks, official loan checks and initiates wire transfers
  • Prepares tickets for loan payments
  • Quotes payoffs and processes loan payoffs
  • Processes payments, payoffs, wires, transfers, etc., through online entry system
  • Assists commercial bankers with past due loans and maturing loans
  • Adheres to strict guidelines and timing requirements for consumer real estate loans
  • Responsible for reviewing exception/tickler reports and clearing items
  • Promotes the Bank’s products and services whenever possible; participates in bank sponsored events, networking and volunteer opportunities at every opportunity
  • Provides service that aligns with Reliant Bank’s Brand Promise:  We are a growing community of friends – one relationship at a time
  • Follows all regulatory rules and regulations, immediately reports any suspicious behavior and/or situations that may result in criminal or emergency incidents, and completes all required training in a timely manner
  • Performs other tasks and projects as needed

 

JOB REQUIREMENTS AND QUALIFICATIONS

 

  • Associate’s degree or equivalent professional experience in the banking or financial industry preferred
  • Previous experience in a loan setting preferred
  • Excellent customer service skills required
  • Maintains a well-developed, working knowledge of bank products and services through self-motivation, seminars and in-house training
  • Good understanding of financial institution product and services
  • Ability to communicate effectively through writing, speaking and listening
  • Must be detail oriented
  • Strong organizational and prioritization skills
  • Strong Microsoft Word and Excel skills
  • Demonstrates a commitment to accuracy and quality while meeting deadlines
  • Good general math and analytical skills
  • Maintains a professional image with public interaction

 

PHYSICAL AND MENTAL REQUIREMENTS

 

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.

 

  • Frequently required to sit, stand, kneel, stoop, or squat
  • Use hands or fingers to handle or feel objects, tools, or controls
  • Reach with hands and arms
  • Talk or hear
  • Specific vision ability include close vision, distance vision, color vision, depth perception and the ability to adjust focus
  • Occasionally lift and/or move up to 25 pounds
  • Ability to analyze situations logically to identify causes and draw solid conclusions
  • Ability to anticipate the consequences of a situation
  • Ability to modify one’s own behavior to meet expectations of others
  • Ability to sustain one’s own emotions from interfering with responding effectively to internal and external customer’s needs
  • Displays honesty and trustworthiness; has a sense of personal accountability; maintains a moral conviction to do the right thing

 

 

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