Branch Lending & Operations Representative

GENERAL DESCRIPTION OF POSITION

The Branch Lending & Operations Representative is responsible for processing a wide range of financial transactions for customers, selling negotiable instruments and cross-selling Bank products, suggesting possible services, answering questions, and handling all preparations for customers to begin receiving services. This position assists loan officers by performing administrative duties involving the processing of business and consumer loans.

ESSENTIAL DUTIES AND RESPONSIBILITIES

1. Open new accounts including checking, savings, CDs, IRAs and other products offered by the bank. This duty is performed daily, about  5% of the time.

2. Responsible for opening all consumer and business accounts and services. This duty is performed as needed, about 5% of the time.

3. Prepare new loan requests to submit to loan processing, review the loan file to verify that data is complete and meets established standards. This duty is performed daily, about 5% of the time.

4. Order supporting documentation. This duty is performed daily, about 5% of the time.

5. Process draw requests / loan payments / transfers. This duty is performed daily, about 5% of the time.

6. Prepare loan package for shipping and booking. This duty is performed as needed, about 5% of the time.

7. Assists with loan origination processing. This duty is performed as needed, about 5% of the time.

8. Responsible for tracking and monitoring of all required documentation. This duty is performed weekly, about 5% of the time.

9. Close loan if needed / Fund Loan. This duty is performed daily, about 5% of the time.

10. Review completed LOM for accuracy. This duty is performed daily, about 5% of the time.

11. Assist in clearing collateral / credit exceptions. This duty is performed daily, about 5% of the time.

12. Submit LOM to loan ops. This duty is performed daily, about 5% of the time.

13. Pull maturity and past due reports. This duty is performed as needed, about 5% of the time.

14. Refers new business to company subsidiaries, such as insurance, mortgage and brokerage. This duty is performed as needed, about 5% of the time.

15. Follows up on referrals made by other team members. This duty is performed as needed, about 5% of the time.

16. Assess customer needs and cross sell appropriate products and services. This duty is performed as needed, about 5% of the time.

17. Resolve customer concerns and ensure effective and long term problem resolution. This duty is performed as needed, about 5% of the time.

18. Provides ancillary services such as notary services. This duty is performed as needed, about 5% of the time.

19. Answers customer inquiries relating to products, rates and services. This duty is performed as needed, about 5% of the time.

20. Supports and contributes to the attainment of branch goals. This duty is performed daily, about 5% of the time.

21. Handle telephone inquiries promptly and professionally to ensure friendly and efficient customer service. This duty is performed daily.

22. Maintains positive, friendly and professional attitude and appearance. This duty is performed daily.

23. The ability to work in a constant state of alertness and in a safe manner. This duty is performed daily.

24. Completes required BSA/AML training and other compliance training as assigned. This duty is performed quarterly.

25. Perform any other related duties as required or assigned.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily.  The requirements listed below are representative of the knowledge, skill, and/or ability required.

EDUCATION AND EXPERIENCE

Knowledge of a specialized field (however acquired), such as basic accounting, computer, etc. Equivalent of four years in high school, plus night, trade extension, or correspondence school specialized training, equal to two years of college, plus 12 to 18 months related experience and/or training, or equivalent combination of education and experience.

COMMUNICATION SKILLS

Ability to read and understand documents such as policy manuals, safety rules, operating and maintenance instructions, and procedure manuals; ability to write routine reports and correspondence. ability to effectively communicate information and respond to questions in person-to-person and small group situations with customers, clients, general public and other employees of the organization. ability to read, analyze, and understand general business/company related articles and professional journals; ability to speak effectively before groups of customers or employees.

MATHEMATICAL SKILLS

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts such as fractions, ratios, and proportions to practical situations.

CRITICAL THINKING SKILLS

Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.

REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS

Not indicated.

PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS

Not indicated.

SOFTWARE SKILLS REQUIRED

Intermediate: 10-Key, Accounting, Spreadsheet, Word Processing/Typing

Basic: Alphanumeric Data Entry, Contact Management, Database

WORKING CONDITIONS

Periodically exposed to such elements as noise, intermittent standing, walking, pushing, carrying, or lifting; but none are present to the extent of being disagreeable.

ENVIRONMENTAL CONDITIONS

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

 The noise level in the work environment is usually moderate.

PHYSICAL ACTIVITIES

The following physical activities described here 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 and expectations.

Semi-repetitive, low physical. Semi-repetitive type work which requires periods of concentration for varied time cycles as prescribed by the tasks.

While performing the functions of this job, the employee is frequently required to sit, use hands to finger, handle, or feel, talk or hear; and occasionally required to stand, walk, reach with hands and arms, climb or balance, stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds; frequently lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision; distance vision; color vision; and ability to adjust focus.

ADDITIONAL INFORMATION

- 1 year previous loan or loan documentation experience preferred
- Knowledge of consumer and commercial loan applications (DecisionPro and nCino)
-Good understanding of financial institution products and services
-Time management: the ability to organize and manage multiple priorities
-Excellent proof-reading skills and attention to detail
-Strong team player
-Basic computer proficiency