CAPITAL COMMUNITY BANK - 3.5

Sandy, UT Job Details 16 hours ago Qualifications Closing coordination Commercial banking expertise Employee relationship building Mortgage closing Construction mortgage loans Productivity software Home equity loans TRID compliance Full Job Description

PRIMARY JOB PURPOSE

Loan Assistants act in a supporting role to one or more Loan Officers. Direct interaction with current and prospective bank clients to assist their assigned Loan Officers with procuring new loan and deposit opportunities is both a necessary and essential job function. Incumbents will work closely with Loan Officers, Credit Risk Management, Audit, Loan Documentation and Operations, as well as other Bank departments in the course of their job duties. Superior oral, written, and time management are required skills.

MAJOR AND ESSENTIAL JOB RESPONSIBILITIES

Assist with the preparation and review of all account documentation pertinent to loans and deposits.

Obtain and update collateral valuations:

To include ordering real estate appraisals from the Bank's approved Appraiser list and cooperating with information requests from outside Appraisers (typical information requests relate to providing project cost breakdowns). This may also include working with equipment Appraisers or conducting research to determine collateral values. Order and obtain environmental assessments on real estate collateral. Order Title Commitments and work closely with Title Companies and/or Borrowers to clear title exceptions. Order flood determinations and review findings with the Loan Officer and/or Borrower. Request borrower credit reports.

Pre and post loan closing:

Prepare the Loan Worksheet for the Loan Officer's approval. Assemble required loan documentation in advance of loan closings. Submit closed loan packages to the Loan Department. Follow up with borrowers to obtain post-closing items, if any.

Reporting and Tickler items:

Work with Bank clients to update evidence of insurance. Track matured and past due loans to assist the Loan Officer with renewing loans in a timely manner and minimizing loan delinquencies. Maintain the tickler files to assure financial statements, tax returns, debt schedules, UCC filings, and insurance policies are current. Review commercial account activity and assist the Loan Officer with clearing issues on a regular basis. Demonstrate effective and professional verbal and written communication skills. Correspond with Bank clients at the direction of Loan Officers or Bank Management. Set appointments for Loan Officers. Maintains the highest level of confidentiality with all information obtained. Actively participate in training programs to maintain and acquire additional job knowledge and skills. Promote the bank's products and services. Represent the Bank in a manner that maintains and expands positive relations with all customers, prospects and Bank colleagues. Perform as a team member in allocating and coordinating the workflow. Contribute to the fulfillment of department, company objectives, and goals. Comply with all Bank policies, procedures and regulations. Meet expectations for attendance and punctuality. Train and mentor Loan Assistant I and II's. Other duties as assigned. Compliance - Assists in the Bank's compliance with all applicable federal and state laws and regulations. Develop familiarity with all applicable federal and state banking rules and regulations regarding lending. Adhere to all applicable Bank policies and procedures. Cooperate with banking Regulators and Auditors. Interpersonal/Team Skills - Cultivate and maintain a professional image and rapport with customers, the public, co-workers, Regulators, Auditors, Bank Management and Directors. Positive attitude and the ability to take direction and accept constructive feedback. Keep appropriate parties informed of project status, problems, issues, etc. Negotiate and attempt to resolve conflicts around projects or work assignments; communicate problems to manager as needed.

Job Qualifications:

2-3 years of Banking/Lending Experience or equivalent experience Advanced banking and lending knowledge Able to close all collateral and product type loans including but not limited to: Guidance Line, Real Estate, Construction, Lines of Credit, Equipment, Participation, TRID and HELOCs. Demonstrated competency with Microsoft Office Suite. Detail oriented and analytical thinker. Strong organizational and problem-solving skills. Ability to multitask in a dynamic environment. Effective verbal and written communication skills Ability to work independently, as well as part of a cohesive team. 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