GENERAL SUMMARY

Assist lending personnel (commercial, consumer, and mortgage) by analyzing financial statements of commercial loan customers and reviewing financial worthiness of any customers requesting loans. Interprets financial data to be useful to the lending staff. Prepares loan committee and board committee reports. Assist with the risk grading of the loan portfolio and the review of basic appraisal.
Reports To: Credit Team Lead

QUALIFICATIONS

To perform this job successfully, an Individual in this position must be able to perform each of the above essential duties satisfactorily and exhibit the values of the Company. In addition, the requirements listed below are representative of the knowledge, skill and/or ability.

EXPERIENCE AND/OR EDUCATION

High School Diploma AND one (1) year of customer service in banking, financial services or goal driven retail sales
Bachelor’s Degree in business-related major preferred

• Request and track current financial statements and tax returns from our current customers
• Prepare agenda and update various reports reviewed at each weekly Officer’s Loan Committee. Record, type and maintain minutes for each meeting
• Perform Quality Control Checklists
• Maintain complete and accurate electronic ‘credit files’ in Synergy.
• Send out Maturing Loan Pipeline and other reports as required.
• Maintain file system integrity with purging closed loans and prospects as appropriate.
• Periodically conduct floor plan inventory reviews
• Respond to credit inquiries/verifications on commercial customers
• Assist supervisor with administrative support for the establishment and maintenance of policies, procedures, etc., necessary to facilitate high quality loan underwriting.
• Adhere to all compliance laws and regulations
• Other duties as assigned by supervisor
• Additional responsibilities as assigned.
• Be familiar with and comply with the provisions of the Bank Secrecy Act and USA PATRIOT Act as they relate to the functions of this position. Complete all required reports related to those acts and reports any observed violations or potential violations of those acts to a supervisor or other appropriate bank officer.
• Be familiar with and comply with all federal and state banking regulations as applicable.
  Requirements: