Loan Assistant

Job Title

Loan Assistant

Job Description

SUMMARY

The primary responsibilities of this position are to perform all assigned loan administration functions and assist assigned loan officers in all activities related to the preparation, disbursement and management of the loan officer’s loans and customer relationships.  The position requires working with Bank and customer confidential information on a daily basis. The position requires regularly driving a motorized vehicle to various Bank locations and other job related functions.

 

ESSENTIAL DUTIES

To perform this job successfully, an individual must be able to perform each of the following Essential Duties satisfactorily.  Reasonable Accommodations may be made to enable qualified individuals with disabilities to perform the Essential Duties of the position:

  1. While working with confidential Bank and customer information, secure loan applications (as applicable) and financial information, title work, appraisals, flood certifications, certificates of good standing, corporate articles, lien searches, credit reports and such other documentation necessary to prepare a loan request for approval and closing.
  1. While working with confidential Bank and customer information, effectively communicate and work with other members of the bank’s loan administration team in obtaining the proper documentation and necessary forms for the preparation of all loan closings.
  1. While working with confidential Bank and customer information, assist loan officers in closing all loans.
  1. While working with confidential Bank and customer information, perform post-closing loan coordination such as disbursing loan proceeds, paying invoices, filing security documents, preparing loans for booking, collection and organization of loan files.
  1. While working with confidential Bank and customer information, perform and process loan payments, loan advances and other routine loan activities.
  1. While working with confidential Bank and customer information, assist loan officers in the management and collection of past due loans.
  1. While working with confidential Bank and customer information, assist loan officers in the management of their loan renewals and exceptions, including securing applicable documents and information as required.
  1. While working with confidential Bank and customer information, assist loan officers in servicing the expectations and needs of the Bank’s customers, specifically including return of all telephone calls the same day as received.
  1. While working with confidential Bank and customer information, serve as the loan officer’s liaison with the Bank’s loan administration department regarding all loan-related matters.
  1. While working with confidential Bank and customer information, maintain proficiency in using the Bank’s loan core system.
  1. While working with confidential Bank and customer information, as needed and directed, train and coach less experienced loan assistants.
  1. Always perform duties related to servicing the Bank’s customers in a professional and courteous manner.
  1. While working with confidential Bank and customer information, perform all other activities as reasonably requested by the Loan Administration Director and their managing loan officer.
  1. Works with Bank and customer confidential information while performing the essential duties enumerated above.
  1. Drives a motorized owned vehicle to Bank location in Danville, Arkansas for a two-week training event.
  1. Able to work in a constant state of alertness and in a safe manner.

This job description and the enumerated Essential Duties are intended to provide general guidelines for job expectations and the employee’s ability to perform the position described.  This is not intended to be an exhaustive list of all functions, responsibilities, skills and abilities.  Additional functions and requirements may be assigned or assumed by the incumbent as necessary to fulfill the requirements of the position.

 

SECONDARY DUTIES

  1. Assist loan officer in identifying Bank cross-selling opportunities for each customer.
  2. Handle or coordinate customer and loan officer loan system inquiries including problem resolution.
  3. Perform all other activities as reasonably requested by Senior Management of the Bank.

 

ENVIRONMENT AND PHYSICAL ACTIVITY

The incumbent will spend most of the time performing this function in a professional office-type setting, in which there may be some direct customer contact.

The incumbent in the course of performing this position spends time writing, keyboarding, speaking, listening, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, walking, standing, and reaching.

The incumbent for this position may operate any or all of the following: telephone, smart phone, copy and fax machines, adding machine (calculator), scanner and image systems, computer terminal, laptop computer, personal computer, tablet, printers, or other equipment as directed.

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.  The physical demands described here 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 qualified individuals with disabilities to perform the essential functions.  

 

MENTAL DEMANDS

The incumbent in this position must be able to read and understand documents and instruments; perform detailed work; problem solve; and display proficiency in  customer contact, math, language, verbal and written communication, and reasoning.  Incumbent must also be able to manage stress, multiple concurrent tasks, and constant interruptions. Incumbent must be able to work in a constant state of alertness and concentrate for long periods of time.

 

SAFETY SENSITIVE

This position is designated as a safety sensitive position because it requires the regular handling of highly sensitive and confidential Bank and customer information and operating a motor vehicle on a routine basis. Performing this job in a discreet and professional manner requires alertness at all times. Any lapse of attention could have a significant financial impact on the Bank and its customers, or on others while operating a motor vehicle.

 

COMPETENCIES


Management reserves the right to change this job description at any time according to business needs. This document does not represent a contract of employment and is not meant to alter the at-will status of employee’s employment in any way. Chambers Bancshares, Inc. reserves the right to change this job description and/or assign tasks for the employee to perform, at any time, with or without notice, as it may deem appropriate.

Additional Information

REGULAR WORK HOURS:  Monday–Friday, 8:00 a.m.–5:00 p.m.; occasional night/weekend and overtime work as directed.

Basic Qualifications

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position.  The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner.