COMMERCIAL LOAN ADMINISTRATIVE ASSISTANT

Summary

This position is responsible for overseeing the preparation and execution of commercial loan packages and maintaining all necessary loan documentation. The incumbent will assist one or more commercial loan officers, handling confidential and complex loans, and will perform all other duties and responsibilities as assigned.

Essential Duties and Responsibilities

• Reviews and prepares loan packages and documentation following underwriting guidelines and policies.
• Prepares loan documents to protect the bank's security position, including promissory notes, sworn statements, security agreements, addenda, and mortgages.
• Types letters, memos, and reports for loan officers.
• Screens incoming telephone calls, responds, and writes routine correspondence for loan officers.
• May meet with customers and close small‑business loans.
• Complies with and prepares month‑end and quarter‑end reports reviewed at the monthly Board of Directors meetings.
• Orders third‑party loan documentation such as title commitments, title searches, real‑estate valuations, and insurance with proper coverage as requested.
• Collects pending loan documentation and assists loan officers with delivery of documents.
• Prepares and sends notices on denied credit applications.
• Advances commercial credit lines and floor‑plan lines of credit.
• Assists customers with problems, billing, accounts, or loans.
• Helps cross‑train and assist others in the Commercial Loan and Credit Departments.

Supervisory Responsibilities

None.

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily and maintain confidentiality and professionalism. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Education and Experience

• High School Diploma or equivalent.
• Basic computer experience, including Windows, Microsoft Word, and Excel.
• Proficient typing skills.
• Ability to interpret customer needs and effectively resolve problems to ensure complete satisfaction.
• Basic math skills, including the ability to calculate fractions, decimals, and percentages.
• Ability to apply common‑sense understanding to carry out verbal and written instructions and deal with standardized and unique situations.
• Excellent customer service skills.

Interpersonal Skills

This position requires dealing with internal and external customers in a positive, “Quality Customer Service” manner. An open, willing‑to‑assist approach is expected, along with the ability to work beyond normal duties as the situation requires. Strong interpersonal and problem‑solving skills are essential, and the role will have access to highly confidential information that must be handled professionally.

Physical Demands

While performing the duties of this job, the employee is regularly required to talk or hear, frequently required to sit, use hands to finger, handle or feel, and reach with hands and arms. Occasionally required to stand, walk, climb or balance, stop, kneel, crouch, or crawl. Must frequently lift and/or move up to 15 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required include close vision, distance, color vision, depth perception, and ability to adjust focus.

Reasoning Ability

Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

Work Environment

The noise level in the work environment is usually moderate/conversational.