Loan Servicing Specialist Ii

4 weeks ago

Charles Town, United States Bank of Charles Town Full time

Full-Time
**Summary**:
Performs administrative tasks to book and service Commercial loans, participations, renewals, and modifications, that contain a variety of complex loan structures. Performs Mortgage Escrow analysis and other various Consumer servicing tasks. All functions must be handled in accordance with established guidelines, compliance requirements, policies and procedures.

**Description**:
**Reports To**:Loan Servicing Supervisor**

**FLSA Status**:Non-Exempt**

**ESSENTIAL DUTIES AND RESPONSIBILITIES**

**Client Service**
- Ability to meet the public well and to deal effectively with their questions or problems.
- Knows the Bank’s products and services thoroughly.
- Looks for opportunities to explain, promote, or sell products or services.
- Continuously demonstrates a helpful, friendly attitude and is committed to providing excellent client service.
- Serves as a model of excellent customer service to other employees.
- Identify and cross-sell Bank products suitable to the client’s needs.
- Handles client complaints or questions and determines the action to be taken to remedy the situation.

**Operations/Loan Functions**
- Books commercial loans including new loans, loan renewals, modifications, Participations, and SBA loans with a variety of complex structures, collateral, rates and terms onto the bank’s core processing system, ensuring quality, completeness and accuracy corresponding to the Loan Documentation and the Loan Approval.
- Performs system file maintenance necessary for other Commercial or Consumer loan changes as requested or required.
- Work with other financial institutions to ensure accuracy of participation loan transactions and balances.
- Verifies incoming loan packages are complete with all required booking information, including proper approval when necessary.
- Utilize knowledge and experience with loan computer system and loan policy to perform Quality Control review for the booking and file maintenance of Consumer loans.
- Take steps necessary to perfect various types of loan collateral
- Assist the Loan Servicing Supervisor with projects and procedure updates, and by making recommendations for process changes or enhancements to the Loan Servicing functions.
- Work with commercial doc specialists and loan officers to resolve booking and maintenance issues.
- Ensure Commercial collateral files are updated appropriately with maintenance records
- Handles account reconcilement for various accounts.
- Assist and screen customer problems and direct them accordingly
- Process Commercial loan payoffs and corresponding collateral releases
- Prepare monthly reports for certain insurance vendors
- Perform escrow analysis.
- Handles updates to expiring collateral and expiring commercial insurance reports.
- Learn other operational duties of department in order to provide backup assistance to the department
- Other duties as assigned

**Security**
- Maintains neat and orderly work area and ensures that all negotiables and confidential records (physical and digital) are properly secured each day.
- Understands role in case of disaster or robbery, whether victim or bystander, and knows proper post-robbery procedures.
- Professional appearance that evokes the client’s trust.
- Adheres to all bank policies and procedures and to internal controls and system access restrictions.

**CRITICAL SKILLS**
- Self Development: pursue additional education or training to remain current, improve knowledge, and diversify skills. The capacity to cross train in other areas is particularly helpful.
- Customer confidentiality: never reveal or divulge customer information to anyone outside of the Bank.
- Ability to relate, get along and work well with others in a team environment.
- Ability to adhere to BCT’s core values: Integrity, Teamwork, Growth, Client Commitment, Community Focus

**QUALIFICATIONS**

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

**EDUCATION and/or EXPERIENCE**

High school diploma or general education degree (GED) with at least 2 years of retail, mortgage and commercial loan servicing experience. Courses offered by the American Institute of Banking (AIB) are desirable.

**KNOWLEDGE, SKILLS, AND ABILITIES**
- Position demands a person with a pleasant and professional personality, high degree of accuracy, attention to detail, good organization skills, and excellent customer service skills.
- Ability to understand and carry out oral or written instructions and to request clarification when needed.
- Must have basic skills in operating a computer, adding machine and typewriter.
- Ability to read and interpret documents such as loan documents and procedure manuals.
- Ability to demonstrate effective written and verbal communication skills
- Ability to answer telephones and greet public in a friendly and courteous man

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