Credit Support II

About the Role

The Credit Support (CS) role functions within a lending deal team as the primary point of contact for all internal business partners. The CS professional is accountable for coordinating the loan process from initial engagement through closing, as well as ongoing portfolio management and loan reviews.

Responsibilities

• Manages and coordinates the overall loan process for the assigned deal team(s).
• Manages application workflow to prevent Reg B violations.
• Orders and engages all third-party reports, including individual and business credit bureau reports, title insurance, hazard insurance, flood insurance, appraisal, and environmental reports.
• Researches and reviews collateral lien positions, communicating potential issues to the deal team.
• Orders and reviews draft loan and collateral documentation to ensure they reflect the approved terms of the loan and that collateral will be adequately perfected.
• Works directly with retail staff to open client deposit accounts.
• Reviews and organizes the final loan package and submits it for funding and boarding.
• Manages all document imaging throughout the loan process (origination and ongoing portfolio management).
• Gathers, organizes, and uploads electronic loan files.
• Ensures indexing and filing are accurate and complete.
• Completes a post-closing review of electronic loan files to ensure completeness.
• Participates in the ongoing monitoring of ticklers and covenants, and may request and gather required documentation from the client.
• Monitors delinquency reporting and upcoming maturities.
• May participate in customer contact, gathering documentation for renewals, etc.
• Follows all bank loan policies and procedures, including using required checklists and tracking logs.
• Creates and maintains digital files and imaging.
• Performs other duties and projects as assigned.

Requirements

• Excellent verbal and written communication skills.
• Strong analytical and problem-solving skills.
• Proficient with Microsoft Office Suite or related software.

Qualifications

• High School Diploma or equivalent required.
• A one-year certificate from college or technical school, six months to one year of related experience and/or training, or an equivalent combination of education and experience is preferred.

Physical Requirements

The physical demands described are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions.

• Frequently required to sit and use hands to finger, handle, or feel.
• Occasionally required to stand, walk, and reach with hands and arms.
• Must occasionally lift and/or move up to 10 pounds.
• Specific vision abilities required include close vision and the ability to adjust focus.

Work Environment

The work environment characteristics described are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.