Senior Lending Assistant

About the Role

The Senior Lending Assistant will assist the Executive Officer, Branch Manager, or Loan Officer in gathering financial data and credit information used in the credit decision. This individual will prepare loan documents, proofread for corrections, handle confidential files and records, assist in loan closing, and prepare all entries to book loans.

Responsibilities

• Prepare loan papers, documents, files, and correspondence.
• Aid the lender in collecting financial and related data to determine the general credit worthiness of prospects and the merits of specific loan requests.
• Collect information reflecting the current credit worthiness of clients and the current merits of existing loans.
• Assist the lender by monitoring the overdraft list in their absence and calling for deposits as needed.
• Support collection efforts through preparing correspondence and monitoring payments.
• Assist in preparing management reports, including past due reports.
• Prepare all necessary entries to book loans, including loan proceeds checks.
• Assist loan customers daily with deposit inquiries and problems.
• Follow up on tickler exceptions.
• Maintain records and prepare master note draws, construction lines of credit, and other business-related lines of credit.
• Determine loan documentation and compliance documents needed for loans.
• Close loans on a regular basis.
• Assist the lender in monitoring and collecting information needed for notes to be renewed.
• Assist in other branch assignments as needed.
• Prepare loan presentations to the Loan Committee by packaging necessary reports and data.
• Maintain a minimum of 3 years of financial information on companies for trend analysis and peer comparisons.
• Write letters and contact customers to update stale financial information.
• Review loan documents prior to closing for compliance with regulatory agencies and bank policy.
• Assist with floor plan transactions and maintain floor plan records, balancing subsidiary to loan records monthly.
• Perform collections duties on past due loans over 16 days outstanding, including phone calls and mailing collection letters.
• Prepare and maintain credit files on lines of credit over a designated amount.
• Perform other related duties as assigned.

Requirements

• High school diploma or equivalent required.
• Minimum of 2 years of job-related experience.
• Ability to operate a personal computer using Microsoft Word and Excel.
• Ability to use DecisionPro and nCino; working knowledge of SBLU, BBLU, CLU, and the LSP highly preferred (Small Business Lending Unit, Business Banking Lending Unit, Commercial Lending Unit, and the Loan Submission Package).
• Basic knowledge of accounting.
• Ability to deal tactfully and effectively with customer issues and co-workers.
• Technical knowledge and proficiency to handle the activities and responsibilities of the job.
• Excellent organizational skills and ability to multi-task.

Physical Demands

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

• Frequently required to stand or sit; kneel, stoop, or squat.
• Use hands or fingers to handle or feel objects, tools, or controls.
• Reach with hands and arms, and talk or hear.
• Occasionally required to walk.
• Occasionally lift and/or move up to 25 pounds.
• Specific vision abilities required include close vision, peripheral vision, depth perception, and the ability to focus.

Work Environment

The Bank’s professional working environment requires employees to communicate effectively, both verbally and in writing, and demonstrate strong interpersonal skills when working closely with internal business partners and external clients.

• May be exposed to confidential and proprietary information; must uphold confidentiality at all times.
• Due to the possibility of exposure to high-risk situations (e.g., robbery), detailed instructions and procedures must be followed to safeguard employees, customers, and assets.