Credit Assistant

Description

Manages loan customers banking needs by assisting Loan Officers in the collection of financial information, submission of renewals and credit file maintenance. Responsible for management of collateral tracking and works with lenders to eliminate credit file exceptions. Provides backup assistance in the Retail Banking area as needed. Performs routine duties independently.

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ESSENTIAL FUNCTIONS

Reasonable Accommodations Statement

To accomplish this job successfully, an individual must be able to perform, with or without reasonable accommodation, each essential function satisfactorily. Reasonable accommodations may be made to help enable qualified individuals with disabilities to perform essential functions.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned:

1. Update and maintain loan documentation using the document tracking software by collecting required file documentation, including tracking for annual reviews.
2. Monitor and eliminate credit file exceptions by communicating with Loan Officers, referencing reports, making phone calls, sending emails and customer letters.
3. Monitor both purchased and sold participations for interim and other documentation that is required per loan agreements and participation agreements.
4. Assist Loan Officers and Credit Analysts by providing necessary documentation/information to prepare for loan presentations. 
5. Receive insurance notices, review changes to insurance, follow up with insurance company as necessary and alert loan officer to insurance cancellation.  
6. Perform inspections and track completion progress for construction loans 
7. Assist Loan Processors with imaging loan documents 
8. Prepare internal real estate evaluations.
9. Order and track appraisals and environmental reports.
10. Provides additional financial services to customers by responding to customer questions with referrals to MBT Investment Department, Insurance Department, Personal Bankers, and other banking departments.
11. Provide backup to the retail area as necessary
12. Provides teamwork and support in all areas by assisting other customers and employees. Builds customer relationships by assisting in non-essential duties involving fairs, parades, and other bank activities as required. 

Requirements

Education:   

• High School Diploma or equivalent required, Bachelor’s Degree in business or finance preferred

Experience:   

• Two or more years of banking or office experience

POSITION QUALIFICATIONS

Competency Statement(s)

• Accountability – Ability to accept responsibility and account for his/her actions.
• Accuracy – Ability to perform work accurately and thoroughly.
• Adaptability – Ability to accept ongoing changes.
• Analytical – Ability to use thinking and reasoning to solve a problem. Ability to comprehend mathematical calculations such as addition, subtraction, multiplication, division, and calculations of interest and any other skills as needed.
• Communication, Oral – Ability to communicate effectively with others using the spoken word.
• Communication, Written – Ability to communicate professionally with interpersonal, concise, accurate verbiage along with the ability to write technical processes and procedures.
• Confidentiality – Ability to maintain confidentiality of all customer & employee information.
• Customer Service – Ability to identify customer needs.
• Decision Making – Ability to make critical decisions while following bank policies and regulations.
• Deductive Reasoning – Ability to apply principles of logical or scientific thinking to a wide range of intellectual and practical problems. Knows and understands general accounting procedures such as debits and credits.
• Dependability – Ability to arrive at workstation on time and ready to work. Covers area according to break/lunch schedules. Consistently uses Timeclock to clock in/out for payroll purposes, if applicable.
• Detailed oriented – Ability to pay attention to the minute details of a project or task.
• Ethical – Ability to demonstrate conduct that conforms to a set of values and accepted standards which includes adhering to all policies, guidelines, and procedures.
• Flexibility – Ability to accept changes in workload, location, schedules, or duties.
• Interpretation – Ability to comprehend legal compliance and the ability to explain to others.
• Leadership – Ability to influence others to perform their jobs effectively and to be responsible for making decisions.
• Multi-tasking – Ability to work simultaneously on several tasks.
• Productivity – Ability to maintain productivity standards with minimal staffing periods.
• Reasoning Ability – Ability to develop a clear understanding of the banks key functional processes and resources. Ability to thoroughly understand and apply principles, procedures, compliance requirements, state/federal regulations, and policies related to assigned areas.
• Relationship Building – Ability to effectively build relationships with co-workers and customers.
• Self-Confidence – The trait of being comfortable in making decisions for oneself.
• Stress Management – Ability to maintain composure with a positive attitude during stressful periods, high volume periods, or procedural changes.
• Teamwork – Ability to contribute to a team atmosphere, gets along well with supervisor and peers.
• Time Management Skills – Ability to organize and direct oneself completing all duties in a neat, orderly, and timely manner.