Description
Southern Michigan Bank & Trust, established in 1872, is a staple in the communities we serve with our mission to be a trusted partner working for the betterment of our communities. Our commitment to our core values holds our employees to a higher standard. Our core values are we act with integrity, we are accountable, we are passionate, and we are better together.
Summary This position is responsible for the various aspects of the loan after it has been closed. It is also responsible for servicing commercial, mortgage, and consumer loans. Other duties and responsibilities as assigned.
Essential Duties, Responsibilities, Skills
Insurance claim management – gather necessary documentation to perform draws
Review of daily/monthly reports
Loan checkback and file imaged to loan
RD monthly reporting
Pay PMI premiums
Process daily transactions
Order Lereta contract and activates PMI
Prepares discharges
Performs payment corrections for all loans
Quote loan payoffs
Prepare documents to send for QC review
Tracking recorded mortgages and title policies
Performs file maintenance review
Performs rate locks via Secondary Market Investor
Assists with service related phone calls as needed
Supervisory Responsibilities None
Qualification Requirements To perform this job successfully, an individual must be able to perform each essential duty satisfactorily and maintain confidentiality and professionalism. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
Education and/or Experience
High school diploma or equivalent
Banking and loan experience helpful
Basic computer experience including Microsoft Word, Excel and data base knowledge
Proficient typing skills
Excellent verbal and written communication skills, including the ability to effectively compose original correspondence and verbally exchange information with customers and vendors
Ability to interpret the needs of customers and effectively resolve any problems to ensure complete satisfaction
Basic math skills including the ability to calculate fractions, decimals, and percentages
Ability to apply common sense understanding to carry out verbal and written instructions and deal with standardized and unique situations
Excellent customer service skills
Interpersonal Skills This position is required to deal with internal as well as external customers, in a positive, “Quality Customer Service” manner. An open, willing to assist approach to work is expected along with the ability to work beyond their normal job duties as the situation requires. Interpersonal and problem-solving skills are required. This position will have access to highly confidential information that must be handled in a professional manner.
Physical Demands While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to sit; use hands to finger, handle or feel; and reach with hands and arms. The employee is occasionally required to stand; walk; climb or balance; stop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 15 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance, color vision, depth perception and ability to adjust focus.
Reasoning Ability Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram or schedule form.
Work Environment The noise level in the work environment is usually moderate/conversational.
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Summary This position is responsible for the various aspects of the loan after it has been closed. It is also responsible for servicing commercial, mortgage, and consumer loans. Other duties and responsibilities as assigned.
Essential Duties, Responsibilities, Skills
Insurance claim management – gather necessary documentation to perform draws
Review of daily/monthly reports
Loan checkback and file imaged to loan
RD monthly reporting
Pay PMI premiums
Process daily transactions
Order Lereta contract and activates PMI
Prepares discharges
Performs payment corrections for all loans
Quote loan payoffs
Prepare documents to send for QC review
Tracking recorded mortgages and title policies
Performs file maintenance review
Performs rate locks via Secondary Market Investor
Assists with service related phone calls as needed
Supervisory Responsibilities None
Qualification Requirements To perform this job successfully, an individual must be able to perform each essential duty satisfactorily and maintain confidentiality and professionalism. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
Education and/or Experience
High school diploma or equivalent
Banking and loan experience helpful
Basic computer experience including Microsoft Word, Excel and data base knowledge
Proficient typing skills
Excellent verbal and written communication skills, including the ability to effectively compose original correspondence and verbally exchange information with customers and vendors
Ability to interpret the needs of customers and effectively resolve any problems to ensure complete satisfaction
Basic math skills including the ability to calculate fractions, decimals, and percentages
Ability to apply common sense understanding to carry out verbal and written instructions and deal with standardized and unique situations
Excellent customer service skills
Interpersonal Skills This position is required to deal with internal as well as external customers, in a positive, “Quality Customer Service” manner. An open, willing to assist approach to work is expected along with the ability to work beyond their normal job duties as the situation requires. Interpersonal and problem-solving skills are required. This position will have access to highly confidential information that must be handled in a professional manner.
Physical Demands While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to sit; use hands to finger, handle or feel; and reach with hands and arms. The employee is occasionally required to stand; walk; climb or balance; stop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 15 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance, color vision, depth perception and ability to adjust focus.
Reasoning Ability Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram or schedule form.
Work Environment The noise level in the work environment is usually moderate/conversational.
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