Construction Loan Payout Assistant (New Baden, IL)

Classification:

Non-Exempt/Hourly Job Type:

Full-Time Location:

New Baden Construction 14-22 E Hanover St. New Baden, IL 62265

Reports To:

Senior Construction Processor

ABOUT US

FCB Banks has been family owned and managed for more than three generations. Our original banks opened in New Baden and Albers in 1901 and customers quickly associated FCB with quality service, competitive rates, and personal customer care. These qualities became the pillars of our business when First Collinsville Bank opened in 1990 and we began expanding throughout the area. We streamlined and simplified banking operations and officially changed our name to FCB Banks in 2017. Today we have seventeen locations in sixteen wonderful towns serving customers in Illinois and Missouri. We pride ourselves on being locally owned and operated as well as a valued part of the community. Since 1901 our goal at FCB Banks has always been to provide exceptional service to our valued customers.

JOB SUMMARY

A Construction Loan Payout Assistant assists the Construction Loan Payout Department personnel in daily responsibilities required to complete timely and accurate processing of construction loan payout requests.

ESSENTIAL JOB DUTIES

Monitor the construction loan department email inbox and print pending emails and requests throughout the day. Pull and maintain construction loan files associated with incoming payout requests and correspondence. Review and update the construction loan tracking program with all lien waivers received to date. Place files in pending status for further processing and maintain files in proper order based on date received. Sort incoming mail, courier envelopes, and internal bank run items related to construction lending. File lien waivers and supporting documentation in the appropriate construction loan file. Answer incoming phone calls and assist borrowers, contractors, title companies, and internal staff to facilitate issue resolution. Review construction payout requests received through mail, courier, or internal delivery channels for processing. Review prior-day construction payout summaries, verify balances against Premier Navigator or applicable core system, and distribute reports to loan officers. File and maintain construction progress photos in both physical loan files and shared electronic drives. Set up new construction payout files upon receipt from the loan processing department. Verify checks and applicable parties against OFAC sanctions lists in accordance with bank compliance procedures. Close and secure the construction loan department at the end of each business day. Maintain accurate records and documentation in accordance with bank policies and audit requirements. Prepare lien waiver packages and supporting documents for title companies. Perform additional duties and special projects as assigned.

TECHNICAL SKILLS NEEDED

Strong attention to detail and organizational skills. Ability to prioritize tasks and manage multiple deadlines effectively. Strong verbal and written communication skills. Ability to maintain confidentiality and exercise sound judgment. Proficiency in Microsoft Office products, including Outlook, Word, and Excel Ability to learn and utilize bank software systems, including loan servicing and document imaging systems Knowledge of construction loan documentation, lien waivers, and payout processes preferred. Ability to work independently and collaboratively within a team environment

QUALIFICATIONS

High school diploma or equivalent required. Prior banking, loan operations, administrative, or construction lending experience preferred. Experience with loan documentation, construction draws, or customer service preferred.

WORKING CONDITIONS

Work is primarily in a professional office environment within normal banking hours, with occasional additional hours as needed to meet operational deadlines. Position requires prolonged periods of sitting, standing, walking, bending, reaching, and repetitive hand and wrist movements associated with computer and office equipment. Frequent use of computers, keyboards, telephones, scanners, copiers, printers, and other standard office equipment is required. Ability to view computer screens for extended periods and accurately review detailed documents and reports. Regular handling, lifting, carrying, and filing of loan files, documents, mail trays, and office supplies weighing up to 20 pounds. Frequent movement between workstations, filing areas, storage locations, and other bank departments throughout the day. Position requires strong visual attention to detail and the ability to read and interpret financial documents, lien waivers, invoices, checks, and legal documentation. Ability to maintain focus and accuracy while managing multiple interruptions, deadlines, and high volumes of paperwork and communications. Frequent interaction with customers, contractors, title companies, inspectors, and bank personnel in person, by phone, and through electronic communication. Must be able to maintain regular and reliable attendance and perform duties in a fast-paced environment with changing priorities. Employee may be required to safely open, close, and secure department files, cabinets, and office areas at the beginning and end of the business day.

BENEFITS

$18 - $22 per hour, eligible for performance-based bonuses and incentives Health, Dental, Vision Insurance Group Life Insurance 1x annual salary, 100% paid by the bank Long-Term Disability insurance, 25% paid by the bank Voluntary Life Insurance and Accidental Death and Dismemberment Insurance Flexible Spending Account (FSA) and Dependent Care Flexible Spending Account (DCFSA) Employee Assistance Program, Travel Assistance and Life Services Tool Kit Paid time off including Vacation, Personal and Sick leave Partially-paid Parental Leave for eligible employees 401(k) with company match for eligible employees

DISCLAIMER

The employee must be able to perform the essential functions of the position satisfactorily and, if requested, reasonable accommodations will be made to enable employees with disabilities. FCB Banks retains the right to change or assign other duties to this position. Equal access to programs, services and employment opportunities is available to all persons without regard to age, ancestry, citizenship, status, color, physical or mental disability, genetic information, marital status, military status, national origin, race, religion, sex (including pregnancy), sexual orientation, or any other basis protected by federal, state, and/or local law. In accordance with the Americans with Disabilities Act and/or applicable state and local laws, applicants requiring reasonable accommodations for the application and/or interview process should notify the FCB Human Resources Department. Examples of reasonable accommodations include making a change to the application process; providing written materials in an alternate format such as braille, large print, or audio recording; using a sign language interpreter; using specialized equipment; or modifying testing conditions. Applicants have rights under Federal Employment Laws Equal Employment Opportunity Poster Equal Employment Opportunity Supplement Family and Medical Leave Act (FMLA) Employee Polygraph Protection Act