LOAN DOCUMENT SPECIALIST

Citizens First Bank is a family-owned community bank with roots dating back to 1969. We are proud of our role in helping people and businesses grow and thrive in Viroqua, Sparta, Trempealeau, Viola, Centerville, and Holmen. Citizens First Bank supports local community organizations and non-profits, and our employees take part in community events and volunteer to help improve the lives of others.

At Citizens First Bank, our strength is in our people. We believe our employees’ experiences, backgrounds, and lives contribute to their roles and our communities.

About the role

Provides a variety of loan support duties, primarily reviewing loan files for compliance with Bank policies, procedures, and regulations. Assists in providing efficient, effective, accurate, and professional services to internal team members and customers as required. Responds to inquiries and problem-solves loan-related issues.

Responsibilities

• Reviews documentation to ensure appropriate lending approvals were received.
• Ensures compliance requirements are satisfied, approval conditions were met, collateral is collected with evidence of insurance when applicable, and documentation is properly executed after loan closing and funding.
• Coordinates contacting customers to obtain missing documentation with the lending team.
• Verifies accuracy of data used for the completion of loan documentation.
• Notes exceptions to loan policy.
• Prepares files for imaging, reviews, and maintains loan documentation and account information for all types of loans.
• Processes weekly information and documentation received from Branch locations.
• Generates and reviews document exception reports and provides them to appropriate parties, following up on items that need to be investigated.
• Completes due diligence and compliance-related searches on borrowers and collateral.
• Ensures appropriate loan fees were assessed and payments to third parties are processed.
• Verifies and moves loan documentation in imaging to appropriate files.
• Processes and types denied loan notices and small claims court filings.
• Provides customer service by assisting customers regarding loan payments, answers questions from internal and external customers, and troubleshoots issues.
• Keeps track of received data and source documents.
• Remains highly informed on current Bank policy and related rules and regulations.
• Cross-trains other team members for back-up support as needed.
• Other duties as assigned.

Requirements

• High school diploma or general education degree (GED).
• A minimum of 1 year of accounting, customer service, and/or administrative support experience.

Skills

• Oral and written communication skills.
• Ability to maintain confidentiality of customer information.
• Problem-solving and decision-making skills.

Performance Measures

• Quality, accuracy, and volume of loans.
• Reliability, friendliness, thoroughness, and timeliness of response to inquiries.
• Adherence to Bank policy and Federal and State Regulatory requirements.
• Participation in training and appropriate professional development.
• Appropriate attendance record and punctuality.
• Professional workplace appearance and conduct.
• Meets or exceeds annual goals as pre-established by supervisor that are aligned with the strategic plan.

Benefits

• Competitive wage.
• Year-end bonuses.
• Discretionary profit share CD contribution.
• 3% safe harbor contribution to 401k.
• Fully comprehensive benefits package.
• Family-oriented culture and teams.
• Community involvement and Volunteer PTO.
• Bank-sponsored get-togethers outside of work.
• All-staff training and celebration days.

This position starts through Express Employment and after 500 hours of work is considered for full-time Bank employment status.