Commercial Loan Assistant- Penn Valley Bank

BASIC FUNCTION:

Under the direction of the Commercial Loan Officer or administrative manager, perform loan processing, set‑up, and follow‑up responsibilities associated with the documentation of credit to the bank's borrowers. Incumbents at this level will be able to successfully assist with processing and follow‑up on loan documents as directed by loan officers.

JOB RESPONSIBILITIES:

ESSENTIAL JOB DUTIES:

Perform full range of duties pertaining to the loan processing function. Perform system inquiries to obtain credit history information on potential borrowers, provide documents to the Loan Documentation department for new and renewal loans closing as required. Ensure that proper documents and disbursements are prepared accurately for loan officer performing the closing. Obtain pay‑off information as necessary. Review files after closing to ensure that all documents required are signed and delivered per the policy of the bank.

Review and monitor documentation exceptions for account officers. Follow up to ensure receipt of documents required.

Prepare loan submissions for weekly loan committee meetings and other management reports and correspondence as necessary.

Review UCC expiration list for maturing filings. Forward UCC lien requests to Register of Deeds and Secretary of State. Follow up to insure proper recording of liens and continuations. Prepare releases and satisfactions for loans as requested.

Review insurance expiration reports to assist account officers for renewals of collateral insurance. Follow up with the borrowers for evidence of coverage. Advise account officer of problems associated with obtaining coverage.

As directed, request from the borrowers financial statements and other financial information as required by the loan documents and the policy of the bank. Follow up to ensure receipt of the information requested. Advise account officer of any problems in receipt of this information.

Review weekly loan maturity reports and monthly reports for Board of Directors.

Provide secretarial support to the loan officers including phone coverage, mail correspondence to borrowers and bank management as needed.


Perform a range of duties pertaining to customer service, including but not limited to telephone or written correspondence regarding their deposit or loan accounts held at the bank.

NON‑ESSENTIAL JOB DUTIES:

Provide assistance to co‑workers with customer inquiries or problems. Ensure prompt and courteous response to customer inquiries.

Assist in the development of manuals and supporting documentation to accomplish tasks/duties inherent in this position.

Maintain education and professional expertise through attendance at job related seminars, conferences and workshops.

Complete verification of credit requests on customers.

Maintain forms, equipment, and office supplies inventory.

Perform other duties as assigned.


KNOWLEDGE, SKILLS, AND ABILITIES REQUIRED TO PERFORM JOB:

THOSE REQUIRED TO ENTER THE JOB:

Clerical Loan Assistant experience preferred, or 2-3 years bank consumer, mortgage, or commercial loan processing/servicing experience, secretarial experience or equivalent education in bank credit processing/servicing procedures and policies.

Knowledge, skill and mental development equivalent to the completion of a high school education, which includes specific courses in bookkeeping, business math, and typing.

"Meets Requirements", or equivalent overall performance rating on most recent 2 years' performance reviews.

Good verbal communication skills as evidenced by the ability to interact over the telephone with customers and co‑workers. Demonstrated ability to use tact, diplomacy, and a "professional" personal appearance, when dealing with customers and co‑workers.

Ability to manage multiple tasks simultaneously in a fast paced environment and assist at other locations as called for.

Analytical (statistical), organizational, time management, and problem‑solving ability.

Specialized training in the operation of the on line computer system of the bank.




THOSE REQUIRED TO COMPETENTLY PERFORM THE JOB:

Good typing/word processing and written communication skills. Working knowledge of various word processing and spreadsheet software. Good proof reading and editing
skills.

Good knowledge of computerized system utilized to process transactions on the bank’s on line system.

THOSE DESIRED, BUT NOT REQUIRED TO PERFORM THE JOB:

Familiarity with local financial marketplace (competitors, demographics, geography, industries, etc.)
_______________________________________________________________________ Statements included on this job description form are intended to describe the general nature and level of work performed by the employee(s) assigned to this job. The statements are not intended to be construed as an exhaustive list of responsibilities, duties and skills required.

EQUIPMENT REQUIRED TO PERFORM THE JOB:

_x_ Telephone
___ Multi-line Telephone System
___ PBX Switchboard System
_x_ Voice mail system
_x_ Computer Monitor
_x_ Personal Computer
___ Fed Line Computer
___ Optical Disk PC
_x_ 10 Key Calculator
_x_ Typewriter - electronic
_x_ Copy Machine
_x_ Fax Machine
___ Check Encoder
___ Check Protector
___ Pneumatic Tube System (including operation of microphone)
___ Coin Machine
___ Automatic Currency Counter
___ Step Stool and/or Ladder
_x_ Multi-drawer File Cabinet
_x_ Multi-shelf Cabinet
___ Dictaphone
___ VCR/Television
___ Overhead Projector/Screen
___ Coffee Machine
___ Microfilm Machine
___ Dolly/Wheeled Cart
___ Mail/Postage Machine
___ Postage Scale
___ Shredding Machine
___ Paper Cutter
___ Automatic Teller Machine
SOFTWARE REQUIREMENTS:

_x_ Word Processing: _x__Beginner skills _x__Intermediate skills ____Advanced skills
_x_ Spreadsheets - Data Entry ___ Spreadsheets - Creation/Analysis

EXERTION/PHYSICAL REQUIREMENTS:

_x_ Moving objects weighing _10_ lbs.
_x_ Sitting _90_% of day
___ Standing ___% of day
_x_ Walking _10_% of day
_x_ Removing objects from shelves
_x_ Dexterity/Coordination
___ Color vision
___ Depth perception
_x_ Reading material/PC Monitor
_x_ Writing/typing
_x_ Speaking/Communicating
_x_ Listening/Hearing
___ Ability to travel to various worksite locations or departments
_x_ Ability to perform repetitive hand movements (i.e. when performing data entry)

Accommodations will be made to allow for meeting above requirements when it does not place an "undue hardship" on Valley View Bank.