Commercial Credit Assistant

General Duties And Responsibilities

• Performs written, oral, and/or faxed credit references for all customers, as requested, whether in-house or external, and ensures that they are transmitted only to authorized individuals and businesses.
• Affirms compliance with RMA’s “Code of Ethics” with respect to the formal exchange of credit information.
• Assists all Lending and Credit personnel with account verification and payment history.
• Obtains credit information from consumer credit bureaus, Dun & Bradstreet Reports, UCC searches, and/or other financial information, as requested.
• Responsible for preparing and maintaining all credit files for new/existing commercial borrowers as required by policy and procedure. Includes the filing of all pertinent documentation on a daily basis.
• Ensures that all credit files are organized with the necessary documentation to support the borrowing relationships. This includes the completion of credit file checklists.
• Manages the completion and distribution of all materials for Loan Committee and Board Loan Committee meetings and archives all final Committee packages.
• Tracks and collects financial information on new and existing commercial relationships.
• Tracks loan presentations and maintains an active list of loans, which need to have a loan presentation prepared.
• Tracks line of credit/line of commitment expirations.
• Prepares and distributes Monthly Exceptions Reports.
• Prepares and distributes monthly Link Reports (including loan & deposit reports) and Credit Expiration Reports.
• Distributes all other information, as requested.
• Provides backup and support for all credit and commercial lending personnel.
• Affords assistance in developing new procedures that enhance efficiency.
• Completes assigned compliance training in a timely manner and demonstrates ability to apply training to their duties and responsibilities.
• Assumes other job-related duties as requested.

Required Training, Experience, And Education

• Must have a high school diploma.
• Must be proficient in various computer applications, including Microsoft Word and Excel.
• Interpersonal skills to represent QNB in a positive manner when dealing with internal and external customers.