Loan Assistant, Residential Construction

Loan Assistant, Residential Construction

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Primary

Job Purpose:

Loan Assistants act in a supporting role to one or more Loan Officers. Direct interaction with current and prospective bank clients to assist their assigned Loan Officers with procuring new loan and deposit opportunities is both a necessary and essential function. Incumbents will work closely with Loan Officers, Credit Risk Management, Audit, Loan Documentation and Operations, and other Bank departments.

Superior oral, written, and time management skills are required.

• Assist with the preparation and review of all account documentation pertinent to loans and deposits.
• Obtain and update collateral valuations.
  • Order real estate appraisals from the Bank's approved Appraiser list.
  • Cooperate with outside appraisers on information requests, typically project cost breakdowns.
  • Work with equipment appraisers or conduct research to determine collateral values.
• Order and obtain environmental assessments on real estate collateral.
• Order Title Commitments and work closely with Title Companies and/or borrowers to clear title exceptions.
• Order flood determinations and review findings with the Loan Officer and/or borrower.
• Request borrower credit reports.
• Pre and post‑loan closing tasks.
  • Prepare the Loan Worksheet for the Loan Officer's approval.
  • Assemble required loan documentation in advance of loan closings.
  • Submit closed loan packages to the Loan Department.
  • Follow up with borrowers to obtain post‑closing items, if any.
• Reporting and Tickler items.
  • Maintain tickler files to assure financial statements, tax returns, debt schedules, UCC filings, and insurance policies are current.
  • Work with Bank clients to update evidence of insurance.
  • Track matured and past‑due loans to assist the Loan Officer with renewing loans in a timely manner and minimizing delinquencies.
  • Reconcile draw requests with construction budget.
• Order construction progress inspections through third‑party inspectors.
• Review commercial account activity and assist the Loan Officer with clearing issues regularly.
• Demonstrate effective and professional verbal and written communication skills. Correspond with Bank clients at the direction of Loan Officers or Bank Management.
• Set appointments for Loan Officers.
• Maintain the highest level of confidentiality with all information obtained.
• Actively participate in training programs to maintain and acquire additional job knowledge and skills.
• Promote the bank's products and services and represent the Bank in a manner that maintains and expands positive relations with all customers, prospects, and colleagues.
• Perform as a team member in allocating and coordinating workflow.
• Contribute to the fulfillment of department and company objectives and goals.
• Comply with all Bank policies, procedures, and regulations.
• Meet expectations for attendance and punctuality.
• Train and mentor Loan Assistant I and II's.
• Other duties as assigned.

• 8+ years of Loan Assistant or equivalent experience.
• Advanced banking and lending knowledge.
• Demonstrated expertise in the understanding and utilization of financial analysis.
• Able to close all collateral and product type loans including but not limited to guidance line, real estate, construction, lines of credit, equipment, participation, TRID, and HELOCs.
• Demonstrated competency with Microsoft Office Suite.
• Detail oriented and analytical thinker.
• Strong organizational and problem‑solving skills.
• Ability to multitask in a dynamic environment.
• Effective verbal and written communication skills.
• Ability to work independently, as well as part of a cohesive team.
• Ability to meet bonding requirements for employment purposes.

Mid‑Senior level

Full‑time

Accounting / Auditing and Finance

Accounting