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 overseeing the preparation and execution of commercial loan packages and maintaining all necessary loan documentation. Will assist one or more commercial loan officers, handling loans that are confidential and complex in nature. All other duties and responsibilities as assigned.
ESSENTIAL DUTIES, RESPONSIBILITIES, SKILLS:
· Reviews and prepares loan packages and documentation following underwriting guidelines and policies.
· Will prepare loan documents to protect the bank's security position. These may include but not be limited to various types of promissory notes, sworn statements, security agreements, addendum and mortgages.
· Will type letters, memos and reports for loan officers.
· Will screen incoming telephone calls, respond and write routine correspondence for loan officers.
· May be required to meet with customers and close small business loans.
· Complies and prepares month-end and quarter-end reports that are reviewed at the monthly Board of Directors meetings.
· Will order Third Party loan documentation such as title commitments, title searches, real estate valuations, and insurance with proper coverage as requested for loan officers.
· Collect pending loan documentation and assist loan officers with the delivery of documents.
· Prepares and sends notices on denied credit applications.
· Advances commercial credit lines and floor plan lines of credit.
· Will assist customers with problems, billing, accounts or loans.
· Helps cross train and assist others in the Commercial Loan and Credit Departments.
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.
· Basic computer experience including Windows, Microsoft Word, and Excel.
· Proficient typing skills.
· 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.
Pay: From $20.00 per hour
Benefits:
- 401(k)
- 401(k) matching
- Dental insurance
- Employee discount
- Flexible spending account
- Health insurance
- Health savings account
- Life insurance
- Paid time off
- Referral program
- Vision insurance
Work Location: In person
