Senior Ag/Commercial Loan Processor at Profinium Bank

Owatonna, Minnesota, United States -

Full Time

Start Date

Immediate

Expiry Date

03 Sep, 26

Salary

30.38

Posted On

05 Jun, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Loan Processing, Agricultural Lending, Commercial Lending, Documentation Review, Title Policy Review, Collateral Perfection, UCC Lien Searches, Customer Service, Peer Leadership, Training, Numerical Aptitude, Attention To Detail, Jack Henry Core System, Laserpro, Account Management, Credit Reporting

Industry

Banking

Description

Description Description Profinium Bank has an opportunity for a Senior Ag/Commercial Loan Processor role! We are a full-service, family-owned bank located in Southern MN. We believe that your AMAZING is possible & we are dedicated to helping our employees & clients achieve their dreams. Our Core Values of People First, Teamwork, Confidence, Accountable and Excel guide us in these pursuits: Cultivating excellence by challenging ourselves with courage and confidence. Inspiring a fun environment where innovation thrives, mentoring is essential, and our journey is celebrated. Delivering a legendary experience through our unrivaled service and empowering solutions. Vested in our communities' success with leadership, resources and time. So...Why work at Profinium? As some of our employee testimonials highlight, we value each other, positivity, and collaboration. We thrive on connectivity, teamwork, and pursuing innovative ways to help our employees grow personally & professionally. We care for our employees & their family members, and we understand the importance of whole well-being. We offer various benefits to our employees & their family members, including: Health Insurance Dental Insurance Vision Insurance HSA with Company Match Basic Life Insurance (100% paid by Profinium) Supplemental Life Insurance for employees and their spouse/dependents Critical Illness Insurance Accident Insurance Hospital Indemnity 401K with a generous company-match of up to 5%! Profit-Sharing Student Loan Match Program Flexible Spending Account Options (Medical & Dependent Care) Education Assistance Program Fitness Reimbursement Wellness Program Employee Assistance Program Paid Vacation, Paid Sick, Paid Holidays, Paid Volunteer time E-Team – program that delivers energy, excitement & engagement to our team! Built-In Career Pathing Community Involvement Opportunities Training & Development Leadership Opportunities Scope You prepare & process new commercial, agricultural, commercial real estate & agricultural real estate loans as well as support bank customers providing service in account management, documentation, customer service & technical support. You provide support to both consumer & business/ag bankers in all bank locations. You provide training & support for others on the credit team. You also make recommendations for improving banking functions & creating an AMAZING client experience! Accountabilities Loan Processing- 60% · You prepare documentation necessary to close agricultural, commercial, agricultural real estate, commercial real estate loans & HELOC’s. · You review teammate’s agricultural, commercial, agricultural real estate & commercial real estate loan documents for accuracy. · You coordinate the process of closing new loans & renewals with the lender &/or loan assistant to ensure that necessary documents are created to properly close the loan. · You work with Title Companies to obtain preliminary & final title policies. Review title work for accuracy prior to closing. · You upload loans to core software; disburse funds, perfect collateral, set up files & credit track loans after loan has been closed. · You prepare documents necessary to close consumer loans as needed. · You verify loan input in core software. · You manage participation advances & payments. Support participation documentation as requested. · You complete & review UCC lien searches (Pre-close, Post Close & annual as needed). · You obtain credit reports as requested. · You update closed loans & release collateral. · You create & maintain consistent & organized loan files according to bank standards. Scan all documents received. Move old information to transfer files per procedures. Complete & submit reports as assigned. · You provide clerical services to the lending officers such as drafting correspondence, creating spreadsheets, making copies, filing & scanning documents. · You provide other market support to the market leader as assigned. Loan Operations Administration- 20% · You balance the loan portfolio. · You provide training to new loan processors on preparing loan documents, uploading, disbursement of funds, perfecting collateral, scanning files, reporting & all other functions of their job description. · You review & qualify new loans for FHLB eligibility & complete the quarterly FHLB reporting. · You recommend & implement operational changes to improve efficiency. · You are an admin for various products/programs and manage & update them as needed. Customer Service- 10% · You answer client inquiries on bank products, services, accounts & policies; promote cross selling; research & correct account discrepancies. · You provide payoffs & collateral releases as requested. Other- 10% · You are required to achieve referral results based on annual targets communicated by supervisor. · You comply with organization policies, systems, process & procedures with a strong commitment to the overall direction & focus of the organization. · As a part of the overall team of bank employees, you may be requested to assist in the support of other bank activities. · You promote the AMAZING positive & energetic environment at Profinium by embracing our Purpose, Pledge & Pursuits (P3’s) & Core Values to guide your behavior. Requirements Competencies Attention to Detail – Customer Service Oriented – Verbal & Written Communication – Training - Peer Leadership – Initiative – Reliable – Independent Judgement – Flexible - Teamwork Education, Experience & Skills - You value client experience & are capable of committing to a team culture like no other! - You take pride in providing a quality product & having fun along the way! - You have a High School Diploma or equivalent - You have 1 or more year’s related bank experience in loan operations or support - You have a high numerical aptitude - You are able to maintain confidential information - You have the skills needed in a typical office environment, including computer skills & utilization of office equipment - Experience with Jack Henry core system and Laserpro preferred While performing the duties of this job, you are regularly required to move about inside the office to access file cabinets, office machinery, attend meetings, etc. You have the ability to operate a computer, carry, handle & feel objects; reach with hands & arms; communicate effectively & efficiently in person & over the phone. You must occasionally lift &/or move up to 25 pounds or more with assistance. You have the ability to travel to other locations as needed. Specific vision abilities required include close vision, distance vision, peripheral vision, depth perception & the ability to adjust focus. The requirements listed above are representative of the knowledge, skills &/or abilities required for this position. Reasonable accommodations can be made to enable individuals with disabilities to perform the essential functions of this job. This document is intended to describe the general content & performance requirements of this position. It is not to be construed as an exhaustive statement of duties, responsibilities or requirements & does not imply a contract. Other duties may be assigned. Profinium has the exclusive right to alter this job description at any time without notice.

Responsibilities

Prepare and process documentation for agricultural and commercial real estate loans while ensuring accuracy in closing and collateral perfection. Provide operational support, training for the credit team, and high-quality customer service for bank clients.