Austin Bank
ESSENTIAL DUTIES AND RESPONSIBILITIES
Employee is responsible to understand and comply with regulatory requirements for financial transactions, most specifically Bank Secrecy Act (BSA) and Customer Identification Program (CIP) as it relates to specific job functions.
Greets customers and provides superior customer service.
Interviews applicant and requests specified information for loan applications. Pulls credit files and credit reports.
Analyzes applicant financial status, credit, and property evaluations to determine feasibility of granting loans.
Ensures loan agreements are complete and accurate according to policy.
Corresponds with or interview applicant or creditors to resolve questions regarding application information.
Approves loan within specified limits or refers to loan committee for approval and/or prepares and sends out denials.
Calls on potential or existing customers to develop new business or retain existing business. Networks with title companies, real estate offices.
Works past due accounts in attempt to collect funds.
Analyzes potential loan markets to develop prospects for loans.
Participates with and assists senior loan officers on larger loans.
Provides customers with routine platform services, such as approving checks for cashing or handling customer problems. Provides exceptional customer service.
Answers telephone calls taking messages, forwarding calls or providing assistance to customers.
Notarizes documents.
Performs property inspections and collateral assessment.
Performs file maintenance.
Inputs loan information on the system and completes entries. Inputs UCC filings.
Prepares monthly reports.
Reviews for accuracy loans already booked on the system.
Prepares correspondence.
Maintains/reviews VSI insurance and ticklers.
Maintains established department and Bank policies, procedures, objectives and quality assurance.
Enhances professional growth and development through participation in educational programs, current literature, community involvement and in-service meetings, etc.
Uses professionalism, courtesy and tact in working with Bank personnel.
Reports to work regularly and promptly.
Maintains confidentiality at all times.
QUALIFICATION REQUIREMENTS 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.
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Greets customers and provides superior customer service.
Interviews applicant and requests specified information for loan applications. Pulls credit files and credit reports.
Analyzes applicant financial status, credit, and property evaluations to determine feasibility of granting loans.
Ensures loan agreements are complete and accurate according to policy.
Corresponds with or interview applicant or creditors to resolve questions regarding application information.
Approves loan within specified limits or refers to loan committee for approval and/or prepares and sends out denials.
Calls on potential or existing customers to develop new business or retain existing business. Networks with title companies, real estate offices.
Works past due accounts in attempt to collect funds.
Analyzes potential loan markets to develop prospects for loans.
Participates with and assists senior loan officers on larger loans.
Provides customers with routine platform services, such as approving checks for cashing or handling customer problems. Provides exceptional customer service.
Answers telephone calls taking messages, forwarding calls or providing assistance to customers.
Notarizes documents.
Performs property inspections and collateral assessment.
Performs file maintenance.
Inputs loan information on the system and completes entries. Inputs UCC filings.
Prepares monthly reports.
Reviews for accuracy loans already booked on the system.
Prepares correspondence.
Maintains/reviews VSI insurance and ticklers.
Maintains established department and Bank policies, procedures, objectives and quality assurance.
Enhances professional growth and development through participation in educational programs, current literature, community involvement and in-service meetings, etc.
Uses professionalism, courtesy and tact in working with Bank personnel.
Reports to work regularly and promptly.
Maintains confidentiality at all times.
QUALIFICATION REQUIREMENTS 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.
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