Lending Assistant

Job Title: Lending Assistant

Officer Rank: N/A

Division: Lending

Reports To: SVP Business Portfolio

FLSA Status (Exempt/Non‑Exempt): Exempt

SUMMARY

Perform routine administrative tasks in support to the Commercial Banking and Commercial Loan Group of the Bank. Assists Loan Officers with administration of existing loan portfolio and support Officers with due diligence for new credit request. Tasks include requesting credit and background inquiries (KYC, and BSA/AML), create new files and prepare loans files for processing. Loan processing responsibilities include assistance in preparing and issuing LOIs, preparing loan documentary processing checklist, collecting all items on the checklist, updating checklists, packaging file to submit to Credit Department for analysis, issuing derogatory explanation letters on credit reports, reviewing 4506T, performing Google searches, documenting file with Sunbiz, property searches, background web searches, updating Pipeline Reports, assisting officers with Reg. B responses, processing withdrawals, denials, submitting to Credit for adverse action reports, reconciling Pipeline, leads reports and Adverse Action Report with Credit, typing memos, inspection reports, responding to billing inquiries, etc.

JOB CLASSIFICATION INFO

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

• Assist the assigned lending officer with the daily management of loan portfolio.

• Responsible for handling all customer request and issue resolutions ensuring quality customer service.

• Assist customer with account or loan inquiries with regards to, updating customer information, reference letter, wires transfers, advance/draw request, pay-downs, loan payment statements, online banking among other.

• Assist lender and portfolio manager with portfolio maintenance by obtaining financial statements, insurance policies, tax return, maturity report, past due report etc.

• Responsible for all BSA matters for the assigned lending officer.

• Support the Lending Team in achieving high asset quality and portfolio risk profile for strong customer relationship.

• Support pre-and post-closing documentation workflows for credit and treasury products.

• Coordinate with internal departments such as credit, operations, and compliance to ensure smooth loan processing.

• Review, prepare, and process loan applications, disclosures and documentation for various lending products.

• Ensure all loan files are complete, accurate, and compliant with internal policies and regulatory requirements.

• Coordinate with underwriters, credit analysts, and legal teams to facilitate loan closings.

• Assist the Lending Officer with duties specific to their portfolio and projects as assigned.

• Responsible for completing annual training program assigned.

• Performs other functions and/or duties assigned.

EDUCATION, SKILLS & EXPERIENCE:

• AA in Business, or Finance preferred
• Minimum of five (5) years of banking experience in Lending preferred
• High level of accuracy required
• Bi-lingual (English/Spanish) preferred
• Excellent written and verbal communication skills – both English and Spanish
• Strong interpersonal skills, able to communicate professionally and interact with individuals across the organization
• Strong computer technology skills and proficient with Microsoft applications
• Able to identify and resolve problems in a timely manner
• Good organizational skills and detail oriented
• Able to work independently and on diversified projects while meeting deadlines
• Work with integrity and ethically upholding organizational values

SUPERVISORY RESPONSIBILITIES

No supervisory duties.

BSA COMPLIANCE

Each employee is required to uphold the Bank's compliance with the Bank Secrecy Act and Anti-Money Laundering policies and procedures. Specific functions in the Bank take into consideration the awareness of unusual or suspicious situations that are relevant to the banking division to which I will be assigned.

COMPETENCIES

• Problem Solving:
• Identifies and resolves problems in a timely manner.
• Gathers and analyzes information skillfully.
• Uses reason even when dealing with emotional topics.
• Interpersonal Skills:
• Focuses on solving conflict, not blaming.
• Maintains confidentiality.
• Keeps emotions under control.
• Oral Communication:
• Speaks clearly and persuasively in positive or negative situations.
• Listens and gets clarification.
• Written Communication:
• Writes clearly and informatively.
• Presents numerical data effectively.

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

WORK ENVIRONMENT

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

PHYSICAL DEMANDS

While performing the duties of this Job, the employee is regularly required to sit and use hands to finger, handle, or feel. The employee is frequently required to stand; walk; reach with hands and arms and talk or hear. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision and ability to adjust focus.

The physical demands described above are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

TRAVEL REQUIREMENTS

Travel requirements are low and are exclusively limited to local travel.

INTERCREDIT BANK IS AN EQUAL OPPORTUNITY EMPLOYER.