Commercial Personal Banker

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SUMMARY

Assist lender in daily functions, manage loan closings, and provide customer support.

ESSENTIAL FUNCTIONS

• Coordinate commercial loan closings by ordering appraisals, engaging attorneys, and requesting flood determinations
• Collaborate with lenders and credit department to obtain pertinent information needed to move forward with loan request
• Key loan details into system, submit loans for approval, obtain and organize loan documents
• Act as liaison between bank, attorney, and title company to ensure all parties are on the same page as it relates to closing deadlines
• Review and analyze corporate documents, including corporations, limited liability companies, and partnerships
• Review and verify title work to ensure the bank's collateral is adequately covered and the bank's lien position is intact
• Gather all necessary documents prior to closing to minimize exceptions
• Provide superior customer service by responding to customer inquiries in a timely manner (i.e., telephone, email, etc.)
• Communicate with borrowers to obtain required information and provide them with status updates as it relates to their loan closings
• Review loan closing documents to ensure their accuracy prior to obtaining customer signatures
• Attend closings with lender and review loan documents with customer to ensure they understand all terms and conditions
• Organize loan package and send original documents to appropriate party for filing
• Assist lender in working upcoming loan maturities; collect interest and fees owed at time of loan renewal; obtain updated proof of insurance
• Assist lender with past due reports
• Prioritize exceptions and monitor them monthly
• Perform other duties as assigned by management

REQUIRED EDUCATION, EXPERIENCE, AND SKILLS

• Minimum four-year college degree; Business degree preferred
• Three to five years of similar or related experience preferred
• General knowledge of bank operations, policies, and procedures
• Must be thorough, precise, and detail-oriented
• Strong analytical and problem-solving skills
• Ability to work well under pressure in fast-paced environment
• Must be able to communicate tactfully and professionally
• Superior writing skills and ability to minimize grammatical error
• Ability to interact and communicate professionally with customers and fellow employees
• Proficient in basic computer programs (Microsoft Word, Excel, etc.)
• General knowledge of Bank Secrecy Act/Anti-Money Laundering Program preferred.

POSITION SPECIFIC COMPETENCIES:

• Analytical Skills- The ability to observe, evaluate, summarize, and apply meaningful data in the problem-solving process. The level of logical reasoning necessary to connect required actions to desired outcomes. The ability to forecast events based upon current situations. Demonstrated skill in generating alternative solutions to problems.
• Organizational Skills- Demonstrates the ability to have multiple projects and assignments are completed according to established timeframes. Information is maintained and it easily accessible. Materials and work areas are very orderly and easy to find and share.
• Dependability- Always completes assignments timely and thoroughly. Frequently works beyond expectations demonstrating exceptional initiative.
• Communication- Demonstrates active listening and interpersonal skills. Be able to effectively communicate on written documents are clear, concise, and well-constructed.

PHYSICAL REQUIREMENTS

Must be capable of operating all types of office equipment.

EQUIPMENT USED

Computer, telephone, fax machine, scanner, copier, printer

SUPERVISORY REQUIREMENTS

None

WORKING CONDITIONS

• Requires incumbent to remain sedentary within office
• Requires some travel for training/seminars

The requirements listed above are representative of the knowledge, skill, and/or ability required. Reasonable accommodations can be made to enable individuals with disabilities to perform the essential functions.

This is not intended to be and should not be construed as an all-inclusive list of the responsibilities, skills, or working conditions associated with the position. While this is intended to accurately reflect the position's activities and requirements, management reserves the right to modify, add, or remove duties and assign other duties as necessary.