Lending Assistant

First State Bank of Uvalde
United States, Texas, Uvalde
Jun 04, 2025
Our Story At First State Bank of Uvalde, we are committed to delivering premier banking services with integrity, hospitality, and a bold Texas spirit. Since 1907, FSBU has remained a safe, sound, and secure institution, focused on building long-term relationships through personalized service that reflects the traditions of our founders. We take pride in our vision to continue the path laid by our early leaders - with the passion and drive to be the premier bank in Southwest Texas and beyond. Our mission is to provide trusted banking solutions, services, and products while delivering the highest quality customer service with authentic Southern warmth. At the heart of our work are our core values: We strive to be friendly, be professional, be proactive, be knowledgeable, and be accountable in everything we do. The Position As a team member of FSB, this position is expected to lead by example, embody these values, and foster a culture of good character, excellence, collaboration, and performance - ensuring our people, clients, and community experience the FSBU difference every day. You are also expected to always foster and promote the Institution's image and brand. The position of Lending Assistant is responsible for assisting the Lending Officers with performing various duties and special projects related to consumer, business and Real Estate loan applications; generating loan documentation for all types of loans; processing consumer, commercial and real estate loan payments; updating information on the Bank's mainframe computer system; monitoring tickler reports and following-up on exceptions; reviews past due accounts and other related reports with Loan Officer and corresponds with customers as needed. The position of Lending Assistant is required to be fully knowledgeable and skilled in all areas of servicing loans. Assures compliance with all Bank policies and procedures, as well as all applicable state and federal banking regulations. Essential Duties and Responsibilities: Performs all related Lending Department responsibilities including, but not limited to; running credit reports and conducting account research; processing consumer, commercial and real estate loan payments and advances; reviewing loan approvals for completeness; generating loan documents; preparing and sending commitment, engagement and decline letters; entering data to correct or update loan records and assist with maintaining credit files Provides support to all assigned areas of the department where service or assistance is needed, acts as a backup for various loan department positions and functions. Answers the telephone; responds to routine loan officer or customer inquiries relative to account balances, loan balances and payoff requests. Calculates loan pay off amounts for all types of loans. Assist customers with completing loan applications and other related loan documentation. Assists with preparation of loan files and documentation requests for internal and external audits/exams. Responds to inquiries or refers inquiries to the appropriate department or person and exhibiting the necessary follow-through with customers and/or staff involved. Works with insurance policies and related reports; contacts agents; works closely with loan officers and customers to ensure proper insurance is received and maintained. Assists loan officers and other personnel to ensure proper related documentation is prepared and/or provided. Cross-trains less experienced loan department personnel in all loan servicing functions. Treats people with respect; keeps commitments; Inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions. Follows policies and procedures; completes administrative tasks correctly and on time; supports the Bank's goals and values; benefits the bank through outside activities. Corresponds with Customers to help maintain Loan in Compliance and for any Collections needed in a respectful, professional and private manner. Assist Customers in any External or Internal Transfer of Funds while keeping the Bank and Customers Safe, Sound and Secure. Qualifications: Associate degree (AA) or equivalent from a college or technical school; or three years of related experience and/or training; or the equivalent combination of education and experience. Work-related experience should consist of a financial institution operations, sales, or customer service background. Educational experience, through in-house training sessions, formal school, or financial industry related curriculum, should be business or financial industry related. Intermediate experience, knowledge and training in branch operation activities, terminology and products and services relating to retail and commercial account customers. Intermediate knowledge of related state and federal banking compliance regulations, and other Bank operational policies. Intermediate skills in computer terminal and personal computer operation; mainframe computer system; and word processing, spreadsheet and account opening software programs as well as Microsoft Office. Intermediate typing skills to meet production needs of the position. Intermediate knowledge of general office practices. Basic math skills; calculate interest and balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; count currency, coin and negotiable instruments in a timely manner. Ability to multitask in a fast-paced environment while keeping a Professional work culture. The ability to keep an open mind to an ever-changing process and procedure environment.