Commercial Loan Assistant III

COMPARY INTRO

First United is not your typical bank. We are driven by a higher purpose and guided by a core set of values that inspire us to serve all our stakeholders - employees, customers, shareholders, communities, and partners. Our purpose is to inspire and empower others to Spend Life Wisely. Spending Life Wisely means taking small steps toward a life of Love and Impact. We do this by engaging in a holistic approach to life that encompasses four pillars: faith, financial well-being, health and wellness, and personal growth.

We are committed to supporting our local communities and impacting the lives of all our stakeholders. We meet people where they are and empower them with resources that educate and inspire them along their unique path to success.

Through Love and Impact, we will elevate 10 million lives by 2030. One customer. One family. One community at a time.

First United provides a comprehensive range of financial services including retail, commercial, trust, brokerage, mortgage and insurance products. First United is the premier provider of financial products and services in every market we serve. We deliver services through an expansive network of community bank locations throughout Oklahoma and Texas.

SUMMARY

This position is responsible for providing exceptional service to bank customers by assisting with commercial loans as well as utilizing knowledge of the various accounts and products offered by the bank.

MAJOR DUTIES AND RESPONSIBILITIES (ESSENTIAL FUNCTIONS)

• Explains, promotes, and sells bank products and services as appropriate based on individual customer needs.
• Leads the support of First United's strong relationship banking culture through on-going customer contact, exceptional customer service, and expert-level product knowledge.
• Provides support to the loan officer(s) including closing, funding and booking loans, preparing loan worksheets, collecting and ordering necessary documents such as flood certificates, title work, and appraisals.
• Assists customers in filling out loan and/or credit applications.
• Ensures that loan files contain documents with proper signature, dates, and other relevant data.
• Assembles and verifies accuracy of loan documentation by checking documents for proper vesting, legal descriptions, closing dates, and signatures.
• Prepares and monitors line of credit advances including real estate and non-real estate.
• Prepares and sends wire forms to Wire Department for wires requested by customers, for participation loans, and loan funding.
• Provides assistance to the loan officer with exception reports, specifically managing the exception process to include all required research and follow-up to successfully resolve any exceptions in a timely manner for compliance with Credit Policy.
• Prepares and mails past due letters and collection letters.
• Possesses thorough expertise knowledge of the commercial loan process and has the ability to process complex commercial transactions.
• Coordinates loan closings.
• Gathers and sends all necessary information to Relationship Banker to open and make changes to customer accounts.
• Answers customer questions and resolves related problems to ensure customer satisfaction.
• Receives and posts loan payments.
• Provides NADA values for customers.
• Performs variety of clerical duties requiring knowledge of departmental procedures.

Additional Duties and Responsibilities

• Handles customer complaints and escalates issues to supervisor as needed.
• Maintains cleanliness in and around work station.
• Recommends to supervisor possible methods to improve department.
• Completes all required compliance exams on a yearly basis.
• Adherence to all First United Policies and Procedures.
• Dresses professionally.
• Other duties as assigned by supervisor.
• Adherence to all First United Policies and Procedures
• Complete all required compliance exams on an annual basis
• Perform other duties as assigned

EMPLOYEE SPECIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Required Education and Work Experience

• High school diploma or GED required.
• Prior banking experience preferred
• Minimum of six to eight years of relevant experience.

Knowledge and Skills Requirements

• Technical/Functional Competencies: Basic mathematical skills.
• Proficient computer skills.
• Strong understanding of loans and loan products.
• Ability to initiate tasks and projects with little or no supervision.
• Exceptional customer service skills.
• Good problem-solving and decision making skills.
• Demonstrates good judgment.
• Strong organizational skills.
• Strong interpersonal skills and ability to work well with a wide range of people.
• Ability to communicate well with customers by all means of communication including written, verbal, and non-verbal communication.
• Ability to use e-mail, phone, and other communication tools are necessary.
• Willingness to accept additional responsibilities
• Dependable and adheres to time lines and schedules.
• Takes initiative in development and completion of projects.

PLEASE NOTE

This job description is not intended to be all-inclusive. Employee may perform other related duties as assigned by supervisor to meet the ongoing needs of the organization.

If any applicant is unable to complete an application or respond to a job opening because of a disability, please email us at HR@firstunitedbank.com for assistance.