Commercial Loan Assistant II, Birmingham

Reports To:
Group Vice President Commercial Lending Administrator

Department: Loan Operations

Location:
Grandview and Cullman Offices

FLSA:
Non-Exempt

Summary

Responsible for ensuring effective loan service functions for South Point Bank. This position level handles the largest and most complex loans and accounts. Additionally, this position quality checks and reviews the work of lower level Loan Specialists.

Essential duties and responsibilities include the following. Other duties may be assigned.

• Work directly with closing attorneys
• Coordinate and schedule loan closings
• Track and clear exceptions
• Prepare pay off quotes
• Obtains approval and supporting documentation as needed to request loan documents
• Review all commercial and consumer loan documentation for accuracy and compliance
• Works with legal counsel and auditors on various regulatory and compliance issues as well as various special projects; gathers information and researches issues.
• Manages technical exceptions by clearing items on a weekly basis for updated reporting purposes.
• Assists lending staff with questions concerning loan documentation.
• Process draws as requested
• Process loan payments as requested
• Collect financials from customers
• Schedule inspections as needed for construction draw requests

Competency

To perform the job successfully, an individual should have loan documentation preparation experience and can demonstrate the following competencies:

Problem Solving - Identifies and resolves problems in a timely manner;
Gathers and analyzes information skillfully;
Develops alternative solutions;
Works well in group problem solving situations;
Uses reason even when dealing with emotional topics.

Customer Service - Manages difficult or emotional customer situations;
Responds promptly to customer needs;
Solicits customer feedback to improve service;
Responds to requests for service and assistance;
Meets commitments.

Communication - Speaks clearly and persuasively in positive or negative situations;
Listens and gets clarification;
Responds well to questions. Writes clearly and informatively;
Edits work for spelling and grammar;
Presents numerical data effectively;
Able to read and interpret written information.

Team Work - Balances team and individual responsibilities;
Supports everyone's efforts to succeed.

Quality Management - Demonstrates accuracy and thoroughness.

Ethics - Treats people with respect;
Keeps commitments;
Works with integrity and ethically;
Upholds organizational values.

Organizational Support - Follows policies and procedures;
Completes administrative tasks correctly and on time;
Supports organization's goals and values;

Adaptability - Adapts to changes in the work environment;
Manages competing demands;
Changes approach or method to best fit the situation;
Able to deal with frequent change, delays, or unexpected events.

Planning/Organizing - Prioritizes and plans work activities;
Uses time efficiently;
Develops realistic action plans.

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education/

Experience:

Associates degree or equivalent combination of education and experience required. Three to five years of related experience in the banking industry recommended, including loan documentation and document preparation.

Computer

Skills:

To perform this job successfully, an individual should have knowledge of Word Processing software; have a high proficiency in Excel spreadsheet software; and Loan Origination software.

The work environment characteristics described here are representative of those an employee encounters while performing the 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 quiet.

Physical Demands:

The physical demands 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.

While performing the duties of this job, the employee is regularly required to use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to stand; walk and reach with hands and arms. The employee may occasionally lift and/or move up to 10 pounds.

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