Commercial Relationship and Loan Specialist

Essential Responsibilities:

 Loan Process:

• Process and close consumer and commercial loans in a prompt, accurate and efficient manner.


• Provide excellent service to our members and bankers.


• Input the loan request into appropriate loan origination system.


• Prepare Debt Summary (if applicable).


• Coordinate the collection of applicable business tax returns, business financial statements, personal financial statements, personal tax returns, credit reports, and credit monitoring required financials.


• Assist with compiling approval package for submission to approving/reviewing entity (i.e. Regional President, Executive Committee, Credit Review, Small Business Lending, etc.).


• Input all consumer/commercial loans.   


• Meet with members as requested for loan closings at the Bank.


• Review signed documents to assure the package is complete with proper signatures obtained.


• Package loan documents and required supporting documentations for transmittal to Loan Services, including applicable general ledger tickets and check copies.


• Following up and clearing all outstanding exceptions.


• Preparing loan payoff quotes upon request from members.


• Accepting loan payoff checks and preparing appropriate transaction tickets.


• Monitoring weekly past due loan payments and update comments weekly for Officer.


• Monitoring maturing Letters of Credit and coordinating appropriate renewal process; collecting applicable fee.


• Meeting with Officers weekly to input and manage loan pipeline.


• Correcting any collateral exceptions on loans.

 Deposit Process:

• Serving as the contact person for any member service assistance with assigned Officers’ portfolios.


• Processing requests for transfers of funds and other needs as they arise.


• Safeguarding member information and communications.


• Following up and clearing all outstanding deposit exceptions.


• Pulling reports for Officers as needed.


• Meeting with officers weekly to manage business development.


• Processing transfer requests.


• Processing wire transfers and stop payments.


• Decision overdrafts daily.


• Opening accounts for members.


• Assisting members with account research as needed.


• Coordinating the needs of members with appropriate departments and following up to ensure satisfaction of service.


• Assisting members with ordering checks, ATM/Debit cards and online banking enrollment.


• Assisting Officers with sales calls as requested.

Core Responsibilities:

• Adheres to applicable federal laws, rules, and regulations including those related to Anti-Money Laundering (AML) and the Bank Secrecy Act (BSA).


• Other duties as assigned.

Minimum Required Skills & Competencies:

• Has a strong work ethic and is highly motivated to always deliver financial services and solutions with the highest ethical standards.


• Has the ability to work independently and as a team to make intelligent decisions using sound judgement.


• Demonstrates computer proficiency in Microsoft Office.


• Has strong verbal and written communication skills.


• Is supportive of team goals and initiatives.


• Ability to listen well and resolve member issues in a positive manner.


• Can multi-task on a daily basis and can learn new processes effectively.


•  Is able to learn new product information and promote benefits to members.

Desired Skills & Competencies:

• Has 3 to 5 years of experience in banking.


• Previous experience in the following programs: LaserPro, Insight, BakerHill, CreditQuest

 Physical Requirements:

• Express or exchange ideas by means of the spoken word via email and verbally.


• Exert up to 10 pounds of force occasionally, use your arms and legs, and sit most of the time.


• Have close visual acuity to perform activities such as analyzing data, viewing a computer terminal, reading, and preparing documentation.


• Not substantially exposed to adverse environmental conditions.


• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential responsibilities of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential responsibilities.