Commercial Loan Assistant

State Bank is a community bank with $1.5B in assets and $3.2B in total assets. We value people, purpose, and opportunity to drive meaningful impact. Our culture is built on collaboration, innovation, and integrity. We invest in our people and the communities we serve, and offer financial rewards, including the possibility to earn up to 30% of your annual wage in quarterly incentives. Education High school diploma or equivalent; associate’s degree in business or accounting preferred. Experience Minimum of 3‑5 years of experience in related positions. Preferred Skills Proficient in commercial loan documentation. Excellent reading, writing, and grammar skills. Strong mathematics skills. Computer skills. Interpersonal and communicative skills. Great customer service skills with internal and external customers. Typing skills. Organizational skills. Moderate report‑writing and analytical skills. Role and Responsibilities Responsible for supporting the credit fulfillment function, coordinating work within the unit or department and with other departments, reporting information to the supervisor, responding to inquiries, and assisting with administrative tasks. Essential Duties Assist with loan application processing, obtaining required information, compiling data, ordering credit reports, and performing rudimentary credit analysis. Collect/review all required financial data prior to submission to the Credit Department and assist with preparation of loan presentations or requests. Interface with vendors to obtain required documentation such as appraisals, title work, UCC search, certificates of good standing, insurance forms, equipment lists, environmental checklists, or lawyer‑prepared documents. Review executed loan documents for accuracy and completeness prior to funding, prepare tickets to fund loan, and confirm funding. Verify a wide variety of credit information that will become part of the credit file. Maintain required information, gather missing documentation, and notify appropriate personnel of credit information deficiencies. Dispense credit information within prescribed policy. Provide information for and assist in the preparation of various loan reports; maintain activity logs to generate weekly or monthly reports. Review pending loan maturity 90 days prior to maturity to ensure no administrative past dues. Partner with Commercial Loan Officer and/or Credit Department Personnel to resolve past due loans, lines of credit, and delinquent taxes. Manage annual reviews; identify/report significant changes in financial status of borrowers, guarantors, or appraised values of real estate. Review assigned Commercial Loan Officer’s portfolio weekly. Meet with customers to obtain signatures and close approved loan. Prepare a variety of correspondence, letters and forms such as commitment letters and letters requesting updated financial information. Interface with loan review/regulators and/or auditors as required or directed by the Chief Credit Officer. Assist with management of imaged Credit File documents to ensure appropriate information is updated and maintained. Contribute to the Company’s growth and customer satisfaction by helping customers to resolve problems with their banking transactions. Assist with Construction Loan disbursement documentation, lien waivers, and inspection tracking. Demonstrate financial literacy: interpret and analyze basic financial documents such as personal statements, balance sheets, and income statements. Possess a working knowledge of title commitments, operating agreements, and entity formation documents; assess ownership and beneficial ownership; determine guarantor requirements; verify authorized signing authority. Ensure accuracy and timeliness in the preparation and transfer of loan packages to Loan Operations and Servicing teams. Exhibit a proactive approach and strong commitment to service by supporting lenders and customers as needed. Abide by current laws and organizational policies and procedures to promote a risk‑free environment free of sexual harassment and discriminatory behavior. Cooperate with and support adherence to internal policies, procedures, and practices in risk management and regulatory compliance. Report pertinent information to the immediate supervisor as requested or according to established schedule; compile information as necessary. Respond to inquiries relating to your area or to requests from customers or company personnel within given time frames. Coordinate departmental tasks with coworkers inside and outside the department to ensure efficient processes and proper segregation of duties. Assist immediate supervisor with various administrative tasks and special projects as required. Ancillary Duties Perform tasks supportive in nature to the essential functions of the job, with possible changes depending on departmental circumstances. Physical Requirements Occasionally ascend/descend stairs. Remain stationary more than two‑thirds of the time. Occasionally move about inside the office to accomplish tasks. Occasionally adjust or move objects up to 10 pounds. Communicate frequently with others. Move wrists, hands, and/or fingers constantly. Assess accuracy, neatness, and thoroughness of the work assigned. Work around noisy environments occasionally. Sedentary work involving sitting/standing. Transportation required for travel to meetings. #J-18808-Ljbffr