GENERAL DESCRIPTION OF POSITION
The Universal Loan Assistant is responsible for providing assistance to loan officers and customers. This position is accountable for preparation and review of all loan documentation for new and renewed consumer and commercial loans in a timely and efficient manner. Opens new accounts accurately and in compliance with bank policies and procedures. Cross sells products as deemed fit for the customer. Performs other services for customers as needed.
ESSENTIAL DUTIES AND RESPONSIBILITIES
1. Provide administrative support for Loan Officers, including answering and returning phone calls, scheduling meetings and conferences, faxing documents, making copies, filing, etc. This duty is performed daily.
2. Load pre-qualification applications. Take loan applications and compile any missing data on same, i.e., log number, address, plan type, incentive, and delivery time. When working with home loans, work closely with lender or Sr. Loan Assistant to ensure correct documentation. This duty is performed daily.
3. Assist with loan origination, including gathering and reviewing credit documentation to ensure the loan file is prepared for processing and ordering any third-party items, such as credit reports, appraisals, flood certifications, title insurance, etc., as required. This duty is performed daily.
4. Track technical exceptions, financial statements, insurance, etc., necessary to close a loan. This duty is performed daily.
5. Ensure all loan documents meet current compliance and policy requirements before forwarding necessary documents for filing in credit and/or collateral files. Prepare and maintain loan files from application to closing in a timely manner. This duty is performed daily.
6. Follow up with clients at all times, keeping them informed of the loan process. Follow-up on outstanding loan documentation/verification. This duty is performed daily.
7. Prepare daily and weekly reports, including past due reports and matured loan reports. Prepare extensions on maturing loans at the direction of the lender. This duty is performed daily.
8. Provide assistance to customers concerning inquiries, problems and complaints. Work with the lender to resolve issues with current loans. This duty is performed daily.
9. Check overdrafts and make sure the lender is aware of them. This duty is performed daily.
10. Follow up with clients at all times, keeping them informed of the loan process. Follow-up on outstanding loan documentation/verification. This duty is performed daily.
11. Answers customer inquiries regarding interest rates, accounts, and products and services. This duty is performed as needed.
12. Performs services for customers including address changes, issuance of debit cards, submission of debit card disputes, issuance of on-line banking sign-on credentials and helping with sign-on issues, ordering checks, and processing stop payments. This duty is performed as needed.
13. Opens new accounts accurately and in compliance with bank policies and procedures. This duty is performed as needed.
14. Build relationships with customers and non-customers, offering products and services that are best suited for their needs. Make referrals to other departments such as new accounts, treasury management, mortgage, insurance, trust and financial services. This duty is performed as needed.
15. Perform any other related duties as required or assigned.
EDUCATION AND EXPERIENCE
High school or GED, plus specialized schooling and/or on the job education in a specific skill area; e.g. data processing, clerical/administrative, equipment operation, etc., plus 2 years related experience and/or training, or equivalent combination of education and experience.
Must provide excellent customer service consistent with Farmers Advantage Customer Service standards, both to internal and external customers. Must maintain confidentiality of customers and bank information at all times. Must stay abreast of banking regulations, bank policies and procedures affecting retail operations. Required experience must be in a retail environment, with at least 6 months of experience in a retail bank.
We are an Equal Employment/Affirmative Action employer. We do not discriminate in hiring on the basis of sex, gender identity, sexual orientation, race, color, religious creed, national origin, physical or mental disability, protected Veteran status, or any other characteristic protected by federal, state, or local law.
If you need a reasonable accommodation for any part of the employment process, please contact us by email at ReasonableAccommodation@MyFarmers.bank and let us know the nature of your request and your contact information. Requests for accommodation will be considered on a case-by-case basis. Please note that only inquiries concerning a request for reasonable accommodation will be responded to from this e-mail address.