Credit Administration

Hourly, non-exempt position supporting the Commercial Lending staff by performing duties related to the processing, administration, and closing of new and existing commercial and real estate loans. Assists Commercial Lenders by dealing directly with customers concerning their credit and deposit relationship with the bank.

Responsibilities

• Records new applications, loans, and deposit accounts.
• Communicates directly with customers concerning their relationship with the bank; answers customer inquiries and resolves routine problems.
• Obtains customer credit information and ensures sufficient loan collateral.
• Monitors past due loans and overdraft accounts.
• Prepares periodic loan and credit reports.
• Reviews and files forms and documents.
• Meets/talks with customers concerning their relationship with the bank.
• Interacts in a professional, courteous manner with customers, co-workers, vendors, etc.
• Maintains strict confidentiality guidelines in accordance with Company policy.
• Demonstrates knowledge and expertise of general bank accounting procedures and supports the Company’s overall mission, standards, policies, and procedures.
• Maintains personal grooming and company dress and appearance standards.
• Maintains company attendance standards.
• Performs other tasks as assigned.

Requirements

• Bachelor’s Degree is preferred.
• Two years of banking administration experience.
• Valid driver’s license.
• Satisfactory credit and criminal background check.

Skills

• Hard Skills: Proficient in basic computer operations, 10-key, Microsoft Office Word and Excel; able to type efficiently.
• Soft Skills: Good verbal and written communication skills, attention to detail, organization skills, can-do attitude, problem-solving skills, decision-making skills, sense of urgency, and strong work ethic.

Physical Demands

• Regularly required to talk and hear.
• Requires sitting for extended periods with some walking, bending, kneeling, stooping, crouching, crawling, and climbing.
• Occasional light lifting not over 25 lbs.
• Specific vision abilities required include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus.