Lending Assistant (full-time), Hurstbourne

Equal opportunity employer as to all protected groups, including protected veterans and individuals with disabilities

FULL-TIME HOURLY: These employees work from 30 to 40 hours each week and are paid on an hourly basis. They are eligible for the same benefits as salaried employees and paid time off is paid at 8 hours per day.

JOB SUMMARY:

Assists Lenders and Private Bankers in managing customer loan and deposit relationships and proper loan documentation.

EDUCATION/EXPERIENCE REQUIRED:

• High School diploma or GED
• Two or more years of related office and/or banking experience (experience as a Personal Banker, Loan Admin or Loan Processor preferred)
• Experience as a Lending Assistant, Personal Banker, or Loan Processor and recent experience inputting loans for consumers (installments & mortgages) and businesses. Commercial loan experience preferred.
  
  

QUALIFICATIONS/SKILLS REQUIRED:

• Excellent written and verbal communication skills
• Able to prioritize tasks, meet deadlines and provide excellent customer service.
• Knowledgeable of Central Bank products
• Proficient in opening accounts and using the bank’s deposit and loan systems.
• Proven record of accuracy, attention to detail, and the ability to handle confidential information in a discrete manner.
• Ability to professionally handle customers, either by telephone or in person.
• Employees who do not have a current Product Knowledge score of 85% must pass the Product Knowledge Exam before being allowed to interview.
  
  

ESSENTIAL JOB DUTIES AND RESPONSIBILITIES:

• Prepares requests for new, renewal and modification loans, forwards to Loan Processing Department and coordinates with lender to ensure timely handling of requests. Duties include: inputting customer and loan information into Capital Stream, preparing necessary loan forms, verifying terms and conditions, preparing debt/deposit summaries, reviewing customer credit file for completeness, verifying that we are within officer and bank lending limits, completing loan check list, and obtaining any necessary documents, obtaining necessary signatures, preparing loan tickets and returning to Loan Processing.
• Monitors WIP list and tries to clear in a timely manner. Assists lender in researching, following up and clearing all technical exceptions, expired financial statements, delinquent
  
  

titles and expired commitments. Verifies accuracy of CIS information and updates when required. Works lender’s past due list when required.

• Prepares requests for new loans, forwards to Loan Processing Department and coordinates with lender to ensure timely handling of requests. Prepares new loan documentation when required.
• Reviews lender’s Future Maturity and Expiring Commitment Reports with lender. Prepares requests for loan renewals, forwards to Loan Processing and coordinates with lender to ensure timely handling of renewals or modifications. Duties include: pulling customer’s credit file, ensuring interest has been paid and to what date, getting terms and conditions from officer, making any necessary rate changes, ensuring current financial statements are available, ensuring current insurance is in force, ensuring good corporate standing of borrower, mailing forms if necessary, preparing loan information sheet, preparing credit memo (if requested by lender), preparing internal and external clearing, getting appropriate signatures and sending to Loan Processing.
• Prepares packages for Senior Loan Meetings, compiles all information, determines level of approval required based on lending limits, follows procedures for submitting loan documents and meets deadlines for distribution of loans.
• Processes requests for advances on Master Revolving Loans and Draw Loans including verification of funds available, verification that conditions of draw have been met and preparation of checks, deposits, and offsetting loan entries. Sends draw requests to Loan Services in a timely manner. Processes appropriate documentation and entries for participation loans. Completes construction inspection sheets for construction draws. Also orders title updates from attorney.
• Researches and prepares watch and classified loan updates to include: researches necessary balance and payments and updates status changes.
• Handles customer requests for information and assists with problem solving for loan, deposit and consumer credit issues. Processes exception item processing in lender’s absence.
• Actively looks for sales opportunities with existing client base and is able to open accounts.
• Must score at least 85% on Product Knowledge Exam annually; if applicant does not have a current score they must take and pass the Product Knowledge Exam within 90 days of starting the position.
• Performs other duties as assigned
  
  

BENEFITS:

• Health Insurance
• Dental Insurance
• Vision Insurance
• Paid Vacation
• Paid Holidays
• Employee Stock Ownership Plan
• 401k Plan
• Flexible Benefit Plan
• Voluntary Life Insurance
• AD&D Insurance
• Discounted Banking Services
• EAP (Free counseling sessions)
• Discounted AAA Membership
• Fitness Discounts
• Vacation Purchase Plan
• Interest-Free Computer Loan
• Interest-Free Fitness Equipment Loan
• Service Awards
• Attendance Awards
• Funeral Leave
• Subsidized Parking (Downtown)
• Sick Leave