Commercial Loan Assistant

About The Role We are looking for a Loan Servicer/Assistance, to become part of our TEAM in our growing Lending department through our Core Values: Honesty and Integrity, Service to the Customer, Teamwork, Respect for the Individual, and Giving to the Communities We Serve. This position is responsible for assisting our Lending Staff in duties pertaining to boarding, collateral tracking, imaging, and creating permanent files for all new loans and change in terms. It is also responsible for assisting the Consumer Lending Staff in duties pertaining to documentation review, disbursement review, boarding, collateral tracking, lien perfection, imaging, and creating permanent files for all new loan and change in terms. It provides backroom support for all lending functions, provides general customer service functions, and completing of loan service internal work processes. Provide assistance to lenders and loan support staff by having a mastery level of regulations, bank policy, procedures, loan documentation, and Silverlake usage. Act as a complete general resource for loan operations. The salary range for this position is $21.00 to $22.50 per hour. All compensation offers are analyzed individually and take into consideration multiple factors including but not limited to geographic location, years of experience, and educational background. Bank Happy. Work Happy. Right Here. DUTIES AND RESPONSIBILITIES Responsible for boarding loans onto the core system Boards new loans and change in terms according to procedures with accuracy. Balance loan transaction and disburse funds according to loan documentation. Verify that all invoices related to the loan have been sent for payment. Make corrections needed timely. Responsible for Collateral Tracking Sets up Collateral Tracking for all new loans and changes in terms. Sets up Collateral Tracking according to covenants listed on loan documentation. Reviews Collateral Exception Report at least weekly to help the Consumer Lending Team update and clear items. Updates data on Collateral Tracking according to procedure when items are received. (i.e., lien perfection, cancellations, weekly notes, etc.) Follow up with lender for any outstanding exception items and make notes regarding the estimated amount of time to clear exception. Responsible for Lien Perfection Complete lien perfection for loans as soon as loan closing is complete. This may include vehicles, UCC, Real Estate, etc. Order Tax Service on all consumer real estate loans. Complete FHLB second review on all consumer real estate loans. Reach out to title companies or local county when issues arise with lien perfection. Responsible for accuracy and timelines of all Images scanned to the Synergy System. Proficient in the utilization of Loan Doc Manager with nCino. Promptly log and prepare to scan all new loans or change in terms documents upon receipt at the Loan Operations Center. Complete the review and validation of all new loan documentation or change in terms documentation. Update collateral tracking on Xperience to show up on collateral exception report. Review all images for proper sizing, orientation, resolution, and overall quality while adhering to ECM verification guidelines. Convert digital files to format acceptable to the Synergy System. Meets minimum scanning productivity and quality expectations. Check loose imaging folder regularly and upload documents to file. Keep imaging logs and interoffice mail longs current. Check adverse action log regularly to complete ECM verification of imaged files. Responsible for the tracking of documentation from all loan originations. Tracks all new loans and change in terms from booking date until the loan file and original documents arrive at Loan Operations Center for hard file. Manage the Imaging Log to ensure documentation from all offices is received by Loan Operations Center. Communicates with Lender & Loan Assistant if new loan or change in terms file is not received at loan operations center within the timeframe established by management. Responsible for Documentation Storage Creates hard file for original critical documents to be retained in the Loan Operations Center files. These files are to remain in locked, fireproof cabinets with dual controls for entry. Retain non-critical paper documents for six months after imaging, then have them properly destroyed. Responsible for providing effective support for all phases of loan processing activities and promotions. Accept loan payments from customer and create a ticket using an accurate transaction code to post the entry to the appropriate loan. Receive requests from borrowers to advance funds from lines of credit and accurately creates ticket entry. Perform loan maintenance as required. Receive and forward telephone calls. Answer routine questions and/or direct them to the appropriate personnel. Records and relays any messages taken. Complete all loan processing duties in accordance with established policies, procedures, and regulations. Establishes and maintains effective coordination and communication with area personnel, management, customers, and external contacts. Completes assigned paperwork for management and lenders. Completes records and reports promptly and accurately. Supports and assists area personnel as needed. Maintains departmental files. Attends and participants in meetings as required. Keeps management informed of area activities and or any significant problems. Resolves (or refers) requests and problems promptly and courteously. Answers customer questions pertaining to their loans and provides balances and payoff as requested. Keeps customers properly informed of BSJ/Glacier Bancorp policies and procedures. Maintains and conveys BSJ's professional reputation. Responsible for related duties as required or assigned. Performs miscellaneous functions as needed, such as various clean-up projects on core system. Ensures work area is clean, secure, and well maintained. Be available to notarize borrower/grantor signatures if necessary. Process paid loans. Process loan participation payments. Reviews incoming mail and images if needed. Monitor email boxes and respond to requests in a timely manner. Complete Pre-Closing Documentation Review for all Consumer Loans. Complete Disbursement Review in a timely manner when received to the Loan Servicer email group. Respond to message received from the call center to assist loan customers. Complete Loan Transfers according to procedure with proper verification. Monitor wire emails, apply accordingly. Provide professional service to customers and answers phone calls. Serve as support to peers. Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Complete required bank training courses within assigned time frame(s). It is the individual learner responsibility to ensure that they understand the information given to them in each training. If the learner does not understand the information given, they need to reach out to their supervisor for further clarification or additional training. Employee must be capable of interacting calmly and professionally with a variety of people from diverse backgrounds at various levels within and outside of the organization. Employee must be capable of regular, reliable, and timely attendance Additional Responsibilities Adhere to Bank of the San Juans Company Core Values. Adhere to all applicable banking regulations, applicable laws, company policies, management directives, security, and operational procedures. Responsible for the timely completion of all required Compliance and Security training assigned by GBCI and BSJ within the designated timeframes. It is the individual's responsibility to fully understand the content presented in each training module. If clarification is needed, the learner must proactively reach out to their supervisor to request further explanation or additional training as necessary. Responsible for adherence to Bank Security Policy and for reporting security risks to management. Keep management appropriately informed of area activities and of any significant problems. Support the bank's mission by participating in Community Service and Bank sponsored activities, while consistently representing the bank in a professional manner. This includes maintaining a professional image, upholding confidentiality, demonstrating a positive "can-do" attitude, while being flexible, and adaptable to meet both the bank and customer needs. Employee must be capable of regular, reliable, and timely attendance. Attend and actively participate in required meetings. Provide exceptional internal and external customer service by interacting calmly and professionally with individuals from diverse backgrounds at various levels within and outside of the organization. Additional duties as requested or assigned. About You QUALIFICATIONS High school graduate or equivalent. Understanding of loan products and services. Knowledge of loan processing functions and related requirements and procedures. Minimum of six months of similar or related experience, including time spent in preparatory positions. KNOWLEDGE, SKILL, ABILITY High level of understanding of loan products and services. High level knowledge of loan processing functions and related requirements and procedures. Ability to communicate effectively verbally and in writing. Able to prioritize and organize heavy workload(s) and demonstrate effective time management skills. Ability to work both independently and in a team environment. Ability to work in a professional manner and consistently demonstrate a high level of courtesy, customer service, and tact in a fast-paced environment. Must have a high-level attention to detail mindset as well as excellent organizational skill(s) to perform in a fast-paced environment. Strong typing abilities. Excellent verbal and written public relations skills. Able to operate calculator, word processor, and related computer applications. Must be well organized. High level or banking knowledge desired. Requires a high level of customer service skills. WORK ENVIRONMENT Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise. PHYSICAL DEMANDS The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms. Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Must be capable of #J-18808-Ljbffr