Loan Assistant

Classification:

Non-Exempt/Hourly


Job Type:

Full-Time

Reports To:

Senior VP - Lending

ABOUT US:

FCB Banks has been family owned and managed for more than three generations. Our original banks opened in New Baden and Albers in 1901 and customers quickly associated FCB with quality service, competitive rates, and personal customer care. These qualities became the pillars of our business when First Collinsville Bank opened in 1990 and we began expanding throughout the area. We streamlined and simplified banking operations and officially changed our name to FCB Banks in 2017. Today we have seventeen locations in sixteen wonderful towns serving customers in Illinois and Missouri. We pride ourselves on being locally owned and operated as well as a valued part of the community. Since 1901 our goal at FCB Banks has always been to provide exceptional service to our valued customers.


JOB SUMMARY:

Assists Loan Officers with making and servicing all varieties of Lending Products provided by FCB. Provides service to customers and prospective customers. Works in a support capacity to Loan Officers.

ESSENTIAL JOB DUTIES:

• Explains loan options, rates, terms and collateral requirements to customers.
• Orders credit reports, prepares loan documents and analyzes debt-to-income ratio.
• Coordinates and conducts loan closings.
• Reviews loan documents with customers.
• Obtains customer's signature on loan documents.
• Initiates disbursement of loan proceeds.
• Services loans in portfolio.
• Monitors and follows up on loan maturities and renewals.
• Works with internal and external auditors to ensure compliance with FCB's policies and procedures and federal and state regulations.
• Keeps informed of changing rules and regulations pertaining to private and government insured mortgages.
• Closes consumer loans.
• Completes loan maintenance.
• Assists with bank customer service.
• Handles loan customer service for all locations.
• Assists all loan officers as needed.
• Prepares certain Board reports.
• Pulls past-due reports for loan officers.
• Applies NSF charges for auto direct loan payments.
• Other duties as assigned by management.

TECHNICAL SKILLS NEEDED:

• Strong and professional communication skills: oral, written, listening and presentation
• Strong technology skills, along with expert knowledge of Microsoft Office (Word, Excel) and traditional office products (copiers, fax machines, ten-keys, phones, etc.)
• Customer Service - acknowledges, greets and responds quickly to customer needs; remains professional when dealing with challenging situations
• Problem Solving - identifies and resolves problems timely
• Teamwork - contributes to building a positive team spirit
• Quick learner, detail-oriented and effective at managing and prioritizing multiple tasks.
• Initiative/self-motivation
• Working knowledge of bank operations, policies and procedures, and products and services, real estate lending function and federal and state lending regulations

QUALIFICATIONS:

• High School Diploma or equivalent
• Associate's or Bachelor's Degree in relevant field (preferred)
• 2 - 5 years of customer service experience (preferred)
• 1 - 3 years of financial services industry experience (preferred)
• 1 - 3 years lending or loan assistant experience (preferred)

WORKING CONDITIONS:

• Constantly uses standard office equipment such as computers, phones, photocopiers, filing cabinets, calculators and fax machines.
• Availability to work during bank operating hours (i.e. 8:00 am - 5:30 pm). Requires occasional Saturdays 8:00 am - 12:30 pm.
• Occasionally requires local travel including offsite trainings, meetings and temporary assignment to alternate locations.
• While performing the duties of this job, the employee is regularly required to talk, hear and see. The employee frequently is required to stand, walk, use hands to handle or feel, and reach with hands and arms. The employee regularly is required to lift up to 15 lbs. and occasionally required to lift up to 25 lbs.
• Ability to multi-task, work in a fast-paced, changing environment and maintain a commitment to accuracy and timeliness.
• Ability to follow policies, procedures and written instructions, as well as verbal instructions or directions from their supervisor.
• Ability to maintain confidentiality.

BENEFITS:

• $20.00 - $28.50 per hour, eligible for performance-based bonuses and incentives
• Health, Dental, Vision Insurance
• Group Life Insurance 1x annual salary, 100% paid by the bank
• Long-Term Disability insurance, 25% paid by the bank
• Voluntary Life Insurance and Accidental Death and Dismemberment Insurance
• Flexible Spending Account (FSA) and Dependent Care Flexible Spending Account (DCFSA)
• Employee Assistance Program, Travel Assistance and Life Services Tool Kit
• Paid time off including Vacation, Personal and Sick leave
• Partially paid Parental Leave for eligible employees
• 401(k) with company match for eligible employees

DISCLAIMER:

The employee must be able to perform the essential functions of the position satisfactorily and, if requested, reasonable accommodations will be made to enable employees with disabilities.


FCB Banks retains the right to change or assign other duties to this position.


Equal access to programs, services and employment opportunities is available to all persons without regard to age, ancestry, citizenship, status, color, physical or mental disability, genetic information, marital status, military status, national origin, race, religion, sex (including pregnancy), sexual orientation, or any other basis protected by federal, state, and/or local law.
In accordance with the Americans with Disabilities Act and/or applicable state and local laws, applicants requiring reasonable accommodations for the application and/or interview process should notify the FCB Human Resources Department. Examples of reasonable accommodations include making a change to the application process; providing written materials in an alternate format such as braille, large print, or audio recording; using a sign language interpreter; using specialized equipment; or modifying testing conditions.
Applicants have rights under Federal Employment Laws
Equal Employment Opportunity Poster
Equal Employment Opportunity Supplement
Family and Medical Leave Act (FMLA)
Employee Polygraph Protection Act