Commercial Loan Servicing Specialist I

Charlesbridge - Weymouth, MA • Loan Operations/Loan Servicing Under the supervision of the Commercial Loan Servicing Officer, performs a variety of Loan Servicing functions in connection with Commercial loans such as new loan setup, data entry / file maintenance, payment, and payoff processing. Effectively problem solves customer issues relating to account maintenance. While primary expertise will be in commercial loan functions, there may be crossover to residential/consumer functions for backup and flow purposes. Other duties as assigned.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Set up new commercial loans per standard operating procedures. Process/QC commercial loan payoffs, new loans, modifications, and file maintenance. Retrieve and file loan files and original notes as needed. Process internal and external Pre-Authorized Transaction requests, including completion of the appropriate form and set-up within the core system. Process loan modifications, annual renewals, and extensions. Provide superior customer experience to all internal and external customers Review daily reports to ensure accurate customer billing, rate review, payment changes, transfers and perform maintenance necessary Maintain and demonstrate proficiency with loan software applications Process loan payment transactions, general ledger transactions, construction loan principal disbursements and conduct branch settlement. Process payment processing, payoff processing, ACH/Autopay changes, and late fee waivers Perform loan maintenance including address changes, ticklers, check orders and late charge Review Core generated reports and resolve any account or system issues. Process Internal and External Pre-Authorized Transaction requests, including completion of the appropriate form and set-up within the Core system. Perform additional duties, departmental cross-training and participate in special projects as required. Perform all duties professionally and within Charlesbridge’s service standards. Complete all internal Company training as assigned and required. Adhere to the Company’s privacy and data security policies including but not limited to safeguarding of sensitive information and complying with relevant regulations to protect non-public information. Exhibit the ability and desire to embrace and enhance the Company culture.

COMPLIANCE

Maintain an excellent understanding of applicable regulations and laws including but not limited to: Flood Disaster Protection Act, Fair Credit Reporting, Regulation B (CRA), Bank Secrecy Act, Regulation P (Privacy of Consumer Financial Information), Service Members Civil Relief Act. Maintain an up to date understanding of bank policies and procedures as they relate to compliance. Complete appropriate compliance training. Consider this description to be the foundation of your job, not its boundaries. Expect to participate in internal and external training sessions and activities not described here which enhance the quality of service to the client.

SUPERVISORY RESPONSIBILITIES

None Requirements

QUALIFICATIONS

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. EDUCATION and/or EXPERIENCE Associate’s degree (A.A.) or equivalent from two-year college or technical school; or one to three years related experience and/or training; or equivalent combination of education and experience. Maintain a solid understanding of Microsoft Office products such as MS Excel and MS Word. Maintain an excellent understanding of all systems utilized in Loan Servicing such as Fiserv’s Cleartouch, nCino, CoreLogic Tax service systems, and Lee & Mason Insurance Tracking systems, etc.

SKILLS

Basic knowledge of the banking and financial services industry including federal laws and regulations Willingness to gain new knowledge and technical skills. Intermediate typing skills to meet the production needs of the position. Intermediate math skills: the ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply, and divide into all units of measure, using whole numbers, common fractions, and decimals; locate routine mathematical errors; compute rate, ratio, and percent, including the drafting and interpretation of bar graphs. Exceptional verbal, written, and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, train personnel, read, analyze, and interpret documents and professional journals, understand procedures, write reports, correspondence, and procedures, speak clearly to customers and employees.

ADDITIONAL JOB REQUIREMENTS / ADA CONSIDERATIONS

The employee must be able to communicate effectively with internal and external stakeholders, including but not limited to, clients, prospects, employees, management, and external partners in person, by phone, virtually, and in writing; read, interpret, and prepare business, banking, regulatory, proposal, contract, and client documentation as applicable to the role; and apply business- and financial-related concepts, analysis, or calculations as appropriate to the role. Work is primarily performed in a professional office environment and may include client locations, meetings, presentations, conferences, association events, and other business development settings. The role requires regular use of a computer, phone, virtual meeting tools, and standard office technology; the ability to review screens and documents; occasional travel within the market area; and occasional lifting or moving of materials up to 10 pounds. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions, consistent with applicable law.

KEY POINTS

For those seeking to deliver the latest financial solutions rooted in trustworthy, high-quality service, Charlesbridge, a mutual bank holding company, provides operational support, resources, legacy, and innovative thinking to financial institutions so they can deliver a suite of flexible, personalized solutions designed to meet the evolving needs of our clients and our communities. Our local roots, dedication to the communities we serve, loyalty to our people, and commitment to excellence ensure that we remain a trusted partner in an ever-evolving financial journey, today and tomorrow. While our employees are committed to helping our clients, we are committed to our employees. To support our employees, we offer a competitive benefit package with Medical, Dental, Vision, Flexible Spending, Tuition Reimbursement, Childcare Subsidy, Retirement, Life Insurance, and many other benefits. Charlesbridge is committed to providing equal opportunity for all employees and applicants without regard to race, color, religion, gender, sexual orientation, age, marital status, national origin, physical or mental disability, veteran or disability status, gender identity, or expression, citizenship, genetic information, ancestral origin, military status, pregnancy, childbirth, and or conditions relating to pregnancy or any other related medical conditions or any other status protected by Federal, State or local laws. Here at Charlesbridge, we strive to foster a culture where every voice is valued and where employees have a sense of belonging and connection with each other. We are dedicated to creating a work environment that understands, supports, and welcomes diverse perspectives and backgrounds. Together, we will create an inclusive and culturally competent and supportive environment where employees model behavior that enriches both Banks and the communities we support. Pay Range Disclosure The pay range for this position is $24.29 to $30.18 per hour and is the lowest to highest hourly rate Charlesbridge in good faith believe we would pay for this role at the time of this posting. The Company may ultimately pay more or less than the posted range, and the range may be modified in the future. An employee’s pay position within the posted range will be based on several factors including, but not limited to, relevant education, qualifications, certifications, experience, sales or revenue-based metrics, business or organizational needs and affordability. #J-18808-Ljbffr Charlesbridge Group