Commercial Personal Banker

2 weeks ago


St Albans, United States Morris Bank Full time

SUMMARY

Assist lender in daily functions, manage loan closings, and provide customer support.

ESSENTIAL FUNCTIONS

Coordinate commercial loan closings by ordering appraisals, engaging attorneys, and requesting flood determinations

Collaborate with lenders and credit department to obtain pertinent information needed to move forward with loan request

Key loan details into system, submit loans for approval, obtain and organize loan documents

Act as liaison between bank, attorney, and title company to ensure all parties are on the same page as it relates to closing deadlines

Review and analyze corporate documents, including corporations, limited liability companies, and partnerships

Review and verify title work to ensure the bank's collateral is adequately covered and the bank's lien position is intact

Gather all necessary documents prior to closing to minimize exceptions

Provide superior customer service by responding to customer inquiries in a timely manner (i.e., telephone, email, etc.)

Communicate with borrowers to obtain required information and provide them with status updates as it relates to their loan closings

Review loan closing documents to ensure their accuracy prior to obtaining customer signatures

Attend closings with lender and review loan documents with customer to ensure they understand all terms and conditions

Organize loan package and send original documents to appropriate party for filing

Assist lender in working upcoming loan maturities; collect interest and fees owed at time of loan renewal; obtain updated proof of insurance

Assist lender with past due reports

Prioritize exceptions and monitor them monthly

Perform other duties as assigned by management

REQUIRED EDUCATION, EXPERIENCE, AND SKILLS

Minimum four-year college degree; Business degree preferred

Three to five years of similar or related experience preferred

General knowledge of bank operations, policies, and procedures

Must be thorough, precise, and detail-oriented

Strong analytical and problem-solving skills

Ability to work well under pressure in fast-paced environment

Must be able to communicate tactfully and professionally

Superior writing skills and ability to minimize grammatical error

Ability to interact and communicate professionally with customers and fellow employees

Proficient in basic computer programs (Microsoft Word, Excel, etc.)

General knowledge of Bank Secrecy Act/Anti-Money Laundering Program preferred .

POSITION SPECIFIC COMPETENCIES:

Analytical Skills- The ability to observe, evaluate, summarize, and apply meaningful data in the problem-solving process. The level of logical reasoning necessary to connect required actions to desired outcomes. The ability to forecast events based upon current situations. Demonstrated skill in generating alternative solutions to problems.

Organizational Skills- Demonstrates the ability to have multiple projects and assignments are completed according to established timeframes. Information is maintained and it easily accessible. Materials and work areas are very orderly and easy to find and share.

Dependability- Always completes assignments timely and thoroughly. Frequently works beyond expectations demonstrating exceptional initiative.

Communication- Demonstrates active listening and interpersonal skills. Be able to effectively communicate on written documents are clear, concise, and well-constructed.

PHYSICAL REQUIREMENTS

Must be capable of operating all types of office equipment.

EQUIPMENT USED

Computer, telephone, fax machine, scanner, copier, printer

SUPERVISORY REQUIREMENTS

None

WORKING CONDITIONS

Requires incumbent to remain sedentary within office

Requires some travel for training/seminars

The requirements listed above are representative of the knowledge, skill, and/or ability required. Reasonable accommodations can be made to enable individuals with disabilities to perform the essential functions.

This job description is not intended to be and should not be construed as an all-inclusive list of the responsibilities, skills, or working conditions associated with the position. While this job description is intended to accurately reflect the position's activities and requirements, management reserves the right to modify, add, or remove duties and assign other duties as necessary.

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