Home Bank
Summary
The commercial loan processor position is part of the commercial lending department and reports to the commercial credit analyst. The primary responsibility of this position includes managing the workload of the commercial processing department. This includes but is not limited to processing and document preparation for new loans, balancing loan accounts and tracking exception items. This position will serve as a liaison between the lender and the customer when questions arise regarding the status of an impending loan. Other duties covered by this position include completing loan closing documents and assisting customer with loan questions, payments and payoff, making sure that tasks are completed in a timely manner, and making sure that the workload is spread evenly between all commercial loan processors. Essential Functions
Provide loan processing support for commercial loans. This will involve underwriting support, loan documentation preparation, loan booking, and loan maintenance. Maintain knowledge of current loan documentation guidelines for commercial loans to perfect the bank’s lien on the collateral. Assist with the processing of loan payments and advances for the loan operations department. Responsible for maintaining loans in pending for progress, including ordering and tracking appraisals, title work, and other information necessary for loan closing. Conduct the preliminary file review prior to loan closings to ensure all documentation is accurate. Preparing and mailing denial letters, processing paid loans, as well as prepare loan advances. Scan lending documents and processing rate changes. Answer customer questions and make any necessary corrections to the customer’s file. Answer customer questions that arise during the loan process and on an ongoing basis thereafter. Handle SBA loan monitoring, payment processing and correspondence with our SBA servicing agent. Handle participation loan monitoring, payment processing and correspondence with participant banks. Maintain, review and process insurance certifications and tracking to ensure all collateral insurance is up to date. As part of the overall loan operations team, this position may be requested to assist in the support of other bank activities including other lending areas and departments of the bank. Competencies
Communicating
Communicates in a straightforward and assertive fashion. Updates relevant people with timely information. Listens carefully to what others are saying. Respects and considers all opinions, even counter‑opinions. Demonstrating Integrity
Assumes responsibility for mistakes and failures. Demonstrates consistency between what is said and what is done. Behaves according to sound ethical and legal standards. Working With Others
Is respectful of others. Balances individual goals with team goals. Builds and maintains productive relationships with people throughout the organization. Adapting to Change
Maintains composure in frustrating situations. Demonstrates flexibility in working with others. Adapts to help others adapt to change. Lending with Prudence
Learns about each customer’s unique financial situation. Learns about each customer’s credit and ability to repay their loans. Follows the bank’s lending policies and procedures. Ensures that the bank makes prudent lending decisions. Ensures compliance with all relevant laws and regulations. Representing the Bank
Answers customer questions and fully addresses their concerns. Manages difficult customer situations and treats others with respect. Maintains a neat and professional appearance. Maintains an overall knowledge of the bank’s products and services. Cross‑sells the bank’s products and services to its customers and prospects. Professional Excellence
Prepares useful and timely reports for a variety of different purposes. Ensures the reliability of prepared documents. Demonstrates a consistently high level of professional judgment. Maintains independence and objectivity in carrying out job responsibilities. Job Knowledge
Strong business and financial knowledge. Loan Processor job knowledge. Knowledge of department‑related financial services regulations and compliance. Knowledge of lending and lending policies and procedures. Strong knowledge of the company’s products and services. Knowledge of the company’s operations and management. Compliance
All positions within Home Bank SB must comply with all state and federal laws and regulations as per the Bank’s compliance policies and procedures. Supervisory Responsibilities
This position does not require supervisory responsibilities. Work Environment
This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets, and fax machines. 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. While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to stand, walk, use hands to finger, handle or feel, and reach with hands and arms. Position Type
This is a full‑time position. Days and hours of work are Monday through Friday, 8:30 am to 5 pm. This position may require long hours and weekend work. Travel
Travel is not expected for this position. Required Education And Experience
Must have a high school degree or equivalent. One to three years’ experience in a related position in a community bank preferred. This job requires skills needed in a typical office environment. This includes computer skills, communications skills, as well as utilization of office equipment. Other Duties
Other duties: Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, and responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.
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The commercial loan processor position is part of the commercial lending department and reports to the commercial credit analyst. The primary responsibility of this position includes managing the workload of the commercial processing department. This includes but is not limited to processing and document preparation for new loans, balancing loan accounts and tracking exception items. This position will serve as a liaison between the lender and the customer when questions arise regarding the status of an impending loan. Other duties covered by this position include completing loan closing documents and assisting customer with loan questions, payments and payoff, making sure that tasks are completed in a timely manner, and making sure that the workload is spread evenly between all commercial loan processors. Essential Functions
Provide loan processing support for commercial loans. This will involve underwriting support, loan documentation preparation, loan booking, and loan maintenance. Maintain knowledge of current loan documentation guidelines for commercial loans to perfect the bank’s lien on the collateral. Assist with the processing of loan payments and advances for the loan operations department. Responsible for maintaining loans in pending for progress, including ordering and tracking appraisals, title work, and other information necessary for loan closing. Conduct the preliminary file review prior to loan closings to ensure all documentation is accurate. Preparing and mailing denial letters, processing paid loans, as well as prepare loan advances. Scan lending documents and processing rate changes. Answer customer questions and make any necessary corrections to the customer’s file. Answer customer questions that arise during the loan process and on an ongoing basis thereafter. Handle SBA loan monitoring, payment processing and correspondence with our SBA servicing agent. Handle participation loan monitoring, payment processing and correspondence with participant banks. Maintain, review and process insurance certifications and tracking to ensure all collateral insurance is up to date. As part of the overall loan operations team, this position may be requested to assist in the support of other bank activities including other lending areas and departments of the bank. Competencies
Communicating
Communicates in a straightforward and assertive fashion. Updates relevant people with timely information. Listens carefully to what others are saying. Respects and considers all opinions, even counter‑opinions. Demonstrating Integrity
Assumes responsibility for mistakes and failures. Demonstrates consistency between what is said and what is done. Behaves according to sound ethical and legal standards. Working With Others
Is respectful of others. Balances individual goals with team goals. Builds and maintains productive relationships with people throughout the organization. Adapting to Change
Maintains composure in frustrating situations. Demonstrates flexibility in working with others. Adapts to help others adapt to change. Lending with Prudence
Learns about each customer’s unique financial situation. Learns about each customer’s credit and ability to repay their loans. Follows the bank’s lending policies and procedures. Ensures that the bank makes prudent lending decisions. Ensures compliance with all relevant laws and regulations. Representing the Bank
Answers customer questions and fully addresses their concerns. Manages difficult customer situations and treats others with respect. Maintains a neat and professional appearance. Maintains an overall knowledge of the bank’s products and services. Cross‑sells the bank’s products and services to its customers and prospects. Professional Excellence
Prepares useful and timely reports for a variety of different purposes. Ensures the reliability of prepared documents. Demonstrates a consistently high level of professional judgment. Maintains independence and objectivity in carrying out job responsibilities. Job Knowledge
Strong business and financial knowledge. Loan Processor job knowledge. Knowledge of department‑related financial services regulations and compliance. Knowledge of lending and lending policies and procedures. Strong knowledge of the company’s products and services. Knowledge of the company’s operations and management. Compliance
All positions within Home Bank SB must comply with all state and federal laws and regulations as per the Bank’s compliance policies and procedures. Supervisory Responsibilities
This position does not require supervisory responsibilities. Work Environment
This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets, and fax machines. 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. While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to stand, walk, use hands to finger, handle or feel, and reach with hands and arms. Position Type
This is a full‑time position. Days and hours of work are Monday through Friday, 8:30 am to 5 pm. This position may require long hours and weekend work. Travel
Travel is not expected for this position. Required Education And Experience
Must have a high school degree or equivalent. One to three years’ experience in a related position in a community bank preferred. This job requires skills needed in a typical office environment. This includes computer skills, communications skills, as well as utilization of office equipment. Other Duties
Other duties: Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, and responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.
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