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GENERAL SUMMARY

This role offers a chance to engage in a vibrant, fast-paced, and collaborative setting. The ideal candidate will be proactive, possess an entrepreneurial mindset, exhibit a strong work ethic, and demonstrate exceptional organizational, writing, and time management capabilities.

The Specialist will collaborate with the commercial lending and credit administration teams to manage and uphold the commercial loan portfolio. This position serves as a liaison between commercial lenders, borrowers, and third-party service providers to deliver customer support, ensure accurate documentation of commercial loan files, and perform routine clerical and administrative tasks, along with preparing necessary reports.

KEY SKILLS

• Ability to work autonomously with minimal oversight in a team-oriented environment while demonstrating initiative to take on additional responsibilities.
• Excellent verbal and written communication skills.
• Strong interpersonal abilities.
• Capacity to prioritize tasks and meet deadlines.
• Sound judgment and critical thinking capabilities.
• Meticulous attention to detail and accuracy.

PRIMARY DUTIES AND RESPONSIBILITIES

Commercial Loan Documentation & Preparation:

· Prepare documentation for new, modified, and renewed commercial loans of various types, working directly with lenders as files are assigned.

· Collaborate closely with lenders upon assignment of approved loan presentations to initiate the loan preparation process, including ordering title work, insurance verification, flood zone certifications, etc.

· Facilitate the loan process by liaising with attorneys, appraisers, insurance agents, title companies, and other third parties to coordinate loan transaction details.

· Ensure proper documentation of loan covenants and accurately identify exceptions prior to funding.

· Collaborate with other commercial loan personnel to conduct a pre-closing review of prepared documentation, ensuring all documents are correct and accurate before releasing them to the lender for review.

· Book commercial loans upon closing and receipt of all related documentation; coordinate funding, perform post-closing file reviews, and ensure the perfection of liens on collateral.

· Follow up on completed loans to confirm all documentation is received and recorded.

· Maintain commercial loan documentation files in the standard format, including electronic imaging.

· Work with the Commercial Loan Administration Supervisor on special projects and specific requests.

· Ensure compliance with all banking regulations and the Bank's policies and procedures.

Commercial Lender & Customer Support:

· Address customer and lender inquiries via telephone, in-person, or email, which may involve payments, advances, and corrections among other requests.

· Process payments and payoffs.

· Provide assistance with loan billing inquiries and explanations.

· Support Commercial Lenders with customer-related requests.

· Maintain customer and loan file records in the loan information system to ensure accurate and up-to-date reporting.

· Assist customers and lending staff as required.

· Collaborate with other commercial loan staff to verify all file maintenance entered in the system.

Clerical & Administrative Duties:

· Maintain records on Floor Plan Loans.

· For construction loans, oversee the draw process, including monitoring, follow-up with Title Company, contractors, and officers, and processing draws in accordance with Bank policy.

· Prepare daily, monthly, and quarterly reports as assigned or requested.

· Cross-train with other members of the commercial loan department to gain a comprehensive understanding of responsibilities and procedures.

· Assist in monitoring, tracking, and reporting on loan documentation and loan approval exceptions.

· Support Escrow payments and analysis as directed by the Supervisor.

· Manage forced place insurance maintenance.

· Perform additional tasks as requested by the supervisor related to the Bank's functions.

OVERALL PERFORMANCE EXPECTATIONS

The six Principles of Success are integral to the employee's performance expectations at every level of the Bank. These principles are designed to foster a culture of accountability, pride, loyalty, and enthusiasm.

1. Embrace and Drive a Culture of Change

• Encourage and support innovative ideas.
• Generate solutions and make informed decisions.

2. Act as a Valuable & Enthusiastic Team Member

• Recognize the significance of teamwork in achieving objectives.
• Communicate openly and confidently.
• Influence and persuade others effectively.
• Contribute ideas and expertise from within your team and other departments.
• Build strong team relationships based on trust and accountability.
• Collaborate to enhance knowledge and skills.

3. Focus on Customer Experience to Build Loyalty

• Foster relationships with customers.
• Make emotional connections, prioritizing relationships over transactions.
• Provide relevant advice and assistance regarding Bank products and services.
• Accept customer feedback and follow appropriate documentation processes.
• Adhere to customer communication protocols.

4. Accept Responsibility and Accountability

• Act with integrity.
• Be prepared for meetings, participate actively, and contribute solutions.
• Maintain commitments and stay positive in challenging situations.
• Keep challenges in perspective and maintain a positive outlook.
• Take personal accountability for achieving individual and shared goals.
• Be responsible for the effectiveness of training.
• Initiate actions to advance projects and adapt to changing circumstances.
• Take responsibility for your own success.

5. Serve the Community with Pride

• Seek opportunities for community involvement.
• Recognize the importance of contributing to the community.
• Make a positive impact when engaging with external organizations.

6. Follow Customer Service Standards

• Commit to understanding and embodying each standard.
• Lead by example.
• Propose and recommend enhancements to elevate each standard.

QUALIFICATIONS:

• EDUCATION AND EXPERIENCE

High School Diploma or GED with a minimum of 1 year of banking experience.

Successful completion of an in-house training program or an acceptable on-the-job training program.

• KNOWLEDGE, SKILLS & ABILITIES

Excellent interpersonal, verbal, and written communication skills.

Thorough understanding of bank operations, banking, and cash management products; proficient knowledge of product delivery systems and online computer systems.

Confidentiality – Maintain strict confidentiality of sensitive Bank and personal information.

Compliance – Adhere to and develop knowledge of applicable laws and regulations.

Computer literacy – Proficient in various computer software programs and capable of working in an online environment. Strong skills in Microsoft Office Word and Excel.

Mathematical skills – Ability to perform basic mathematical operations and discern routine errors.

Customer service – Effectively relate to customers and respond promptly to their needs while demonstrating diplomacy and tact.

Independent Judgment – Function independently to complete assigned projects; refer unusual issues to a supervisor.

Accuracy – Execute work with precision and thoroughness, paying attention to detail.