ESSENTIAL DUTIES AND RESPONSIBILITIES
Client Service
- Ability to meet the public well and to deal effectively with their questions or problems.
- Knows the Bank’s products and services thoroughly.
- Looks for opportunities to explain, promote, or sell products or services.
- Continuously demonstrates a helpful, friendly attitude and is committed to providing excellent client service.
- Serves as a model of excellent client service to other employees.
- Identify and cross-sell Bank products suitable to the client’s needs.
- Handles client complaints or questions and determines the action to be taken to remedy the situation.
Operations/Loan Functions
- Handles complete process for booking retail, home equity, mortgage or commercial loans accurately on Bank’s computer system
- Verifies incoming loan packages are complete with proper approvals, documents, insurance and all required booking information.
- Utilize knowledge of loan computer system and parameters to review for accuracy the booking of non-commercial types of new loan records
- Take steps necessary to perfect various types of loan collateral.
- Perform file maintenance as requested or required
- Reviews file maintenance for various loan types
- Assist Department Manager with projects and procedure updates
- Work with other financial institutions to ensure accuracy of participation loan transactions and balances
- Work with retail loan officers to resolve exception, documentation, booking and maintenance issues.
- Work with mortgage and commercial doc specialists and loan officers to resolve booking and maintenance issues.
- Ensure collateral files are updated appropriately by filing maintenance records
- Handles account reconcilement for various accounts.
- Assist and screen customer problems and direct them accordingly
- Process loan payoffs and corresponding collateral release
- Prepare monthly reports for certain insurance vendors
- Perform escrow analysis and escrow distributions.
- Learn other operational duties of department in order to provide backup assistance to the department.
Security
- Maintains neat and orderly work area and ensures that all negotiables and confidential records are properly secured each day.
- Understands role in case of disaster or robbery, whether victim or bystander, and knows proper post-robbery procedures.
- Professional appearance that evokes the client’s trust.
- Adheres to all bank policies and procedures and to internal controls and system access restrictions.
CRITICAL SKILLS
- Ability to relate well to others
- Self Development: pursue additional education or training to remain current, improve knowledge, and diversify skills. The capacity to cross train in other areas is particularly helpful.
- Client confidentiality: never reveal or divulge client information to anyone outside of the Bank.
- Versatility: Ability to multi-task under pressure and fast paced environment.
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.
EDUCATION and/or EXPERIENCE
High school diploma or general education degree (GED). One year of loan servicing experience and courses offered by the American Institute of Banking (AIB) are desirable.
KNOWLEDGE, SKILLS, AND ABILITIES
- Position demands a person with a pleasant and professional personality, high degree of accuracy, attention to detail, good organization skills, and excellent client service skills.
- Ability to adhere to BCT’s Core Values: Integrity, Teamwork, Growth, Client Commitment, Community Focus
- Ability to work efficiently and accurately in an atmosphere of frequent interruption.
- Ability to understand and carry out oral or written instructions and to request clarification when need.
- Must have basic skills in operating a computer, adding machine and typewriter.
- Ability to read and interpret documents such as loan documents and procedure manuals.
- Ability to demonstrate effective written and verbal communication skills
- Ability to answer telephones and greet public in a friendly and courteous manner.
- Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.
SMOKE-FREE WORKPLACE
BCT is a 100% smoke-free company.
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 sit; use hands to handle or feel; and talk or hear. The employee frequently is required to stand, walk, and reach with hands and arms. The employee may regularly lift and/or move up to 10 pounds; frequently lift and/or move up to 20 pounds; and occasionally lift and/or move up to 50 pounds.
This job description is not designed to cover or contain a comprehensive listing of all duties/responsibilities required of position. Duties/responsibilities may change or be assigned at any time with or without notice.
BCT is an Equal Opportunity/Affirmative Action Employer
BCT supports a workforce of diversity, equity, inclusion, and accessibility