Hybrid Commercial Loan Operations Specialist | Fenton Support Center na ChoiceOne Bank

Description

COMMERCIAL LOAN OPERATIONS

SPECIALIST

Non-Exempt – Grade Level (4)

Equal Employment Opportunity

Corporate Values & Mission

“Provide superior service, quality advice and show utmost respect to everyone we meet.”

General Summary

Perform a variety of clerical support services, including numerous duties which facilitate and safeguard the lending function.

Reports To: VP Loan Operations Manager

Essential Duties and Responsibilities

• Perform loan input and maintenance in core banking system (JHA Silverlake).
• Image loan documents into Synergy
• Be familiar and knowledgeable in utilizing provided technology and programs, including but not limited to LaserPro, Jack Henry, and Synergy 
• Review morning reports and account reconciliation.
• Prepare 1502 Reporting and submit to SBA
• Process participation transactions 
• Process all charge off loans and all required maintenance on Jack Henry.
• Process loan payments, insurance and prepare disbursement checks for loan funding.
• Process transactions such as payments, line of credit and construction advances, leases, loan fundings, etc.
• Perform steps necessary to finalize closed/paid loans – discharges, releases, terminations, etc.
• Provide sufficient departmental coverage and back-up support for various duties.
• Handle notices, correspondence, and reporting requirements appropriately and in a timely manner.
• Customer Service - transaction processing, loan inquiries, etc.
• Assist Loan Officers and others in the department as requested.
• Is responsible for being familiar with and complying with the provisions of the Bank Secrecy Act and USA PATRIOT Act as they relate to the functions of this position. Completes all required reports related to those acts and reports any observed violations or potential violations of those acts to a supervisor or other appropriate bank officer.
• Be familiar with and comply with all federal and state banking regulations as applicable
• Perform other tasks as needed from time to time.

Competencies

In addition to the Corporate Core Competencies, individuals in this position are expected to have the following skills:

Communication – Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; demonstrates group presentation skills; participates in meetings. Writes clearly and informatively; edits work for spelling and grammar; varies writing style to meet needs; presents numerical data accurately; able to read and interpret written information.

Analytical – Synthesizes complex and diverse information; collects and researches data; uses intuition and experience to complement data.

Technical Skills – Assesses own strengths and weaknesses; pursues training and development opportunities; strives to continuously build knowledge and skills; shares expertise with others. Has a thorough understanding of underwriting, coverages and rating procedures

Quantity – Meets productivity standards; completes work in a timely manner; strives to increase productivity; works quickly.

Adaptability – Adapts to changes in work environment; manages competing demands; changes approach or method to best fit the situation; able to deal with frequent change, delays or unexpected events.

Dependability – Follows instructions; responds to management direction; takes responsibility for own actions; keeps commitments; commits to long hours of work when necessary to reach goals; completes tasks on time or notifies appropriate person with an alternate plan.

Initiative – Undertakes self-development activities; takes independent actions and calculated risks; looks for and takes advantage of opportunities; asks for and offers help when needed.

Requirements

Qualifications

To perform this job successfully, an individual in this position must be able to perform each of the above essential duties satisfactorily and exhibit the values of the Company. In addition, the requirements listed below are representative of the knowledge, skill and/or ability required.

Experience and/or Education

• Minimum 1-2 years of loan administration or equivalent experience
• High School Diploma 
• Excellent customer service skills
• Flexible, dependable, and service-oriented
• Good organizational and communication skills. Excellent written and verbal skills
• Computer knowledge - Windows, Microsoft Office, Word, Excel, miscellaneous software applications (basic working knowledge)
• General accounting knowledge
• Proficient typing skills
• Ability to handle multiple tasks simultaneously.
• Ability to meet established deadlines.

Physical Demands and Work Environment

• Ability to work in an office environment which may include many hours of computer and telephone usage.
• Ability to lift 25 lbs.
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 

Relationship

• Accountable to management for the fulfillment of their functions, responsibilities, and proper interpretation of authority
• Involvement in community organizations and participation in community projects and events as deemed appropriate.