Commercial Loan Assistant II

SUMMARY

This position is responsible for providing exceptional service to bank customers by providing support to the Lending group with servicing, maintaining, and updating loan documentation and loan files. Responsible for all customer service duties, sales, and relationship management while reaching or exceeding established goals. They will master First United Bank's delivery process to develop customer relationships by performing the following essential duties.

MAJOR DUTIES AND RESPONSIBILITIES (ESSENTIAL FUNCTIONS)

Maintains a significant level of knowledge and understanding of loan documentation, credit policy and banking regulation to enable a constant review.

Coordinates the preparation of required loan documentation; reviews documentation for compliance with documentation requirements; coordinates the execution of loan documents; supports closing, booking and funding loans, collects and orders necessary documents such as flood certifications, title work, appraisals; organizes workflow for loan renewal; follows up with customers, insurance agents, title company and/or attorney for missing loan documentation as necessary.

Performs effective file maintenance to resolve exceptions or any other documentation deficiencies along with actively managing outstanding exception items for compliance with Credit Policy.

Works closely with Lending team to assist in collecting financial data and customer phone/email communication to better manage the overall relationship. Performs other customer related services including wires, NSF accounts, and overdrafts. Maintains a significant ability to interpret complex financial statements with ability to translate details to appropriate business partner.

Monitors reports such as past due, paid off loans, and maturing loan lists to assist and proactively inform Lender of potential or pending issues along with providing support to minimize administrative issues such as customer past dues.

Promotes an outstanding customer experience by exemplifying prompt follow-up and proactive internal/external customer communication, proper etiquette, and all other professional customer service qualities to deliver an outstanding customer experience.

Maintains a strong partnership with all ancillary departments within the bank including Loan Operations, Retail, Treasury Management, Loan Review, Special Assets, bank Credit Card, and Compliance.

Identifies and matches customer product needs with First United Bank products and services by interviewing customers and discussing their financial needs including making referrals to other staff members and departments to ensure customer needs are met.

Participates in all meetings, banks functions, and customer appreciation/community events as requested or assigned by supervisor.

Proactively resolve customer complaints, problems, or other issues.

ADDITIONAL DUTIES AND RESONSIBILITIES

• Maintains cleanliness in and around work station
• Recommends to supervisor possible methods to improve department.
• Completes all required compliance exams on a yearly basis.
• Adherence to all First United Policies and Procedures.
• Dresses professionally.
• Other duties as assigned by manager.

EMPLOYEE SPECIFICATIONS

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.

Education and Work Experience

• High School Diploma or GED required. Some college is strongly preferred.
• Four to six years clerical, administrative support or general office experience.
• Prior loan experience required.
• Moderate understanding of HMDA, CRA Community Development, and CRA Small Business Revenue inputs.

Technical/Functional Competencies

• Superior customer service skills required.
• Ability to read, write, analyze and comprehend instructions, routine business correspondence, financial reports and/or legal documents.
• Ability to read and interpret documents such as procedure manuals, general business correspondence and/or journals or government regulations.
• Ability to manage problematic situations in a diplomatic manner.
• Good problem-solving and decision-making skills.
• Strong organizational skills.
• Strong interpersonal skills and ability to work well with a wide range of people.
• Ability to communicate well with customers by all means of communication including written, verbal, and non-verbal communication.
• Willingness to accept additional responsibilities.
• Dependable and adheres to time lines and schedules.
• Takes initiative in development and completion of projects.
• Critical Thinking - requires logic and reasoning to identify solutions, conclusions or approaches to problems.
• Ability to multi-task.
• Behave ethically while at work or outside your work environment.
• Active Listening - Actively looking for ways to assist customers. Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate.

NOTE: This job description is not intended to be all-inclusive. Employee may perform other related duties as assigned by supervisor to meet the ongoing needs of the organization.

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If any applicant is unable to complete an application or respond to a job opening because of a disability, please email us at HR@firstunitedbank.com for assistance.