Loan Assistant

* Assist with the preparation and review of all account documentation pertinent to loans and deposits.
* Obtain and update collateral valuations:
+ To include ordering real estate appraisals from the Bank's approved Appraiser list and cooperating with information requests from outside Appraisers (typical information requests relate to providing project cost breakdowns).  + This may also include working with equipment Appraisers or conducting research to determine collateral values.
* Order and obtain environmental assessments on real estate collateral.
* Order Title Commitments and work closely with Title Companies and/or Borrowers to clear title exceptions.
* Order flood determinations and review findings with the Loan Officer and/or Borrower.
* Request borrower credit reports.
* Pre and post loan closing:
+ Prepare the Loan Worksheet for the Loan Officer's approval.  + Assemble required loan documentation in advance of loan closings.  + Submit closed loan packages to the Loan Department.  + Follow up with borrowers to obtain post-closing items, if any.
* Reporting and Tickler items:
* Review commercial account activity and assist the Loan Officer with clearing issues on a regular basis.
* Demonstrate effective and professional verbal and written communication skills. Correspond with Bank clients at the direction of Loan Officers or Bank Management.
* Set appointments for Loan Officers.
* Maintains the highest level of confidentiality with all information obtained.
* Actively participate in training programs to maintain and acquire additional job knowledge and skills.
* Promote the bank's products and services.
* Represent the Bank in a manner that maintains and expands positive relations with all customers, prospects and Bank colleagues.
* Perform as a team member in allocating and coordinating the workflow.
* Contribute to the fulfillment of department, company objectives, and goals.
* Comply with all Bank policies, procedures and regulations.
* Meet expectations for attendance and punctuality.
* Train and mentor Loan Assistant I and II's.
* Other duties as assigned.
* Work with Bank clients to update evidence of insurance.
* Track matured and past due loans to assist the Loan Officer with renewing loans in a timely manner and minimizing loan delinquencies.
* Maintain the tickler files to assure financial statements, tax returns, debt schedules, UCC filings, and insurance policies are current.
* Develop familiarity with all applicable federal and state banking rules and regulations regarding lending.
* Adhere to all applicable Bank policies and procedures.
* Cooperate with banking Regulators and Auditors.
* Positive attitude and the ability to take direction and accept constructive feedback.
* Keep appropriate parties informed of project status, problems, issues, etc.
* Negotiate and attempt to resolve conflicts around projects or work assignments; communicate problems to manager as needed.## Qualifications
** MINIMUM

JOB REQUIREMENTS:

*
* * 8+ years of Loan Assistant or equivalent experience
* Advanced banking and lending knowledge
* Demonstrated expertise in the understanding and utilization of financial analysis
* Able to close all collateral and product type loans including but not limited to:
+ Guidance Line,  + Real Estate,  + Construction,  + Lines of Credit,  + Equipment,  + Participation,  + TRID and HELOCs.
* Demonstrated competency with Microsoft Office Suite.
* Detail oriented and analytical thinker.
* Strong organizational and problem-solving skills.
* Ability to multitask in a dynamic environment.
* Effective verbal and written communication skills
* Ability to work independently, as well as part of a cohesive team.
* Ability to meet bonding requirements for employment purposes.
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