Credit Specialist

Job Type

Full-time

Description

Basic Qualifications

Education/Training: A high school diploma or equivalent; AIB related courses or Associate degree in related field preferred; specialized education and training related to loan regulations.

Skill(s): Clearly communicates in English; proficient reading, writing, grammar, and mathematics skills; excellent interpersonal relations and communicative skills; moderate computer skills; demonstrated knowledge of credit application process and/or documentation requirements; proficient knowledge of lending regulations; visual and auditory skills.

Experience: A minimum of three (3) years' experience in related lending positions normally required.

General Responsibilities

Responsible for performing a variety of duties to support the loan origination function; coordinating work within the department, as well as with other departments; reporting pertinent information to the immediate supervisor; responding to inquiries or requests for information.

Essential Duties

1. Performs a variety of duties to support the loan origination function of which the following are illustrative:

a. Assists with maintaining the department pipeline log.

b. Underwrites new consumer loan applications in accordance with the Bank's lending policy.

c. Prepares and sends appropriate disclosures as required by appropriate regulations.

d. Verifies data as required by the Home Mortgage Disclosure Act.

e. Verifies and processes a wide variety of credit information which will become part of the credit file.

f. Maintains required information and notifies appropriate personnel of credit information deficiencies as appropriate.

g. Ensures all files as documented as per loan policy and procedures.

h. Prepares closing documents for all consumer and commercial loans via the loan origination platform.

i. Prepares adverse action letters for declined loans.

j. Uploads data for new consumer and commercial loans to the core servicing platform.

k. Uploads/transfers all documents for consumer and commercial loan to Synergy.

l. Generates Loan Proceeds checks for all consumer and commercial loans.

m. Generates disbursements for all commercial construction loans

n. Prepares reports for supervisor as needed.

2. Coordinates specific work tasks with other personnel within the department as well as with other departments in order to ensure the smooth and efficient flow of information.

3. Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of harassment and other forms of illegal discriminatory behavior in the workplace.

4. Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the Bank's compliance with all regulatory requirements.

5. Reports pertinent information to the immediate supervisor as requested, or according to an established schedule; compiles information as necessary or as directed and provides data to appropriate Bank personnel.

6. Responds to inquiries relating to his/her particular area, or to requests from customers, other Bank personnel, etc., within given time frames and within established policy.

7. Provides guidance and training to Credit Representative(s).

Ancillary Duties

1. Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual circumstances.

Job Location

Indian Orchard Support Center

1055 Texas Palmyra Highway

Honesdale, PA 18431

Equipment/Machines

1. Telephone
2. PC/Computer keyboard
3. Multifunctional device (Printer, Fax, Copier Scanner)
4. Calculator

Salary Description

$20.31/hr. - $30.47/hr.

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