Loan Servicing Assistant II

Clackamas County Bank

Loan Servicing Assistant II

SUMMARY

Maintain a high level of professional, friendly, efficient service in all areas of responsibility. Perform as a highly motivated employee giving support to customers, co-workers and supervisor. Performance of duties is under strict adherence to banking policy, audit and banking regulations.

To properly prepare appropriate and accurate loan documents according to loan request, to ensure compliance with Banking regulations and Bank Policy and maintain secured loan files according to Bank Policy guidelines.

ESSENTIAL EXPECTATIONS AND RESPONSIBILITIES

Customer Contact Skills

-Communicate with customers in a pleasant and professional manner in person and over the phone.

-Use customer name during the transaction.

-Listen for customer needs and make appropriate referrals.

-Effectively prepare written correspondence.

Sales/Referrals:

-Sell bank services and refer business to the bank

-Stay current on and support marketing efforts

-Responsible for ensuring that individual calling goals are met

Work Performance

-Adhere to CCB policy and procedure standards: punctuality, attendance, dress code, confidentiality etc.

-Recognize and understand customer needs and concerns and address them in a positive manner

-Answer phones within 3 rings, identify yourself, the Bank, and ask how you may help

-Be a self starter

-Demonstrate techniques for establishing priorities and make suggestions to improve efficiency

-Take initiative to ask for additional work

-Work well with co-workers

-Take initiative to increase or improve ones knowledge of Bank products and procedures.

-Cooperate when asked to help others

-Be willing to accept any additional task assigned by supervisor

_Ability to work independently as well as in a team environment

-Ability to multi-task

-Attention to detail and demonstrate good organizational skills

-Perform assigned duties in a timely manner with consist good quality

Technical Skills – Daily Duties

-Request and review all property reports, such as preliminary title reports, trios, or other real estate reports as they pertain to loan request.

-Use Laser Pro to prepare appropriate and accurate loan documents according to loan request

-Maintain minimum benchmark for accuracy in Loan Documentation of 80%

-Work closely with Loan Officers, Title Companies and Escrow Officers on a daily basis.

-Assemble and maintain Secured Collateral Files as per Bank procedures

-Prepare written communications such as escrow instructions, emails and correspondence as well as verbally communicate on a daily basis.

-Order and review all necessary documentation needed to support security of collateral for every loan as applicable.

-Accurately perfect Clackamas County Bank’s lien position

-Be willing to be cross-trained within the Loan Servicing department and/or other Bank areas.

-Be willing to accept other duties as assigned

-Efficiently use a PC including software such as Word, Excel, Bankrite, Outlook.

-Have a firm understanding of Bank loan products.

-Strictly adhere to and comply with regulations regarding Consumer and Commercial Lending.

-Perform monthly Department Certifications as assigned

-Balancing department’s General Ledger accounts, and managing invoice processing

-Basic understanding of lending and how loans behave: calculating interest, interest accrual, collateral, types of

loans, etc.

-Track and maintain loan ticklers for collateral & loan follow-up

-Process all payoff demand requests from title companies and loan officers

-Understands banking regulations (federal, state, bank specific) – adheres to the guidelines, keeps current on the changes to regulations and updates the appropriate forms and policies.

QUALIFICATIONS

EDUCATION and/or EXPERIENCE

High school diploma or general education degree (GED); related loan support experience and/or training; or equivalent combination of education and loan support experience.

-3-5 Years experience with lending operations

-2-3 Years experience in Preparing Loan Documentation

INTERNAL EDUCATION

Keep current on learning about bank services and products. Successfully complete all assigned reading material and required compliance training.

LANGUAGE SKILLS

Ability to read and comprehend simple instructions, write short correspondence and memos as necessary. Be able to effectively present information in one-on-one and small group situations to both customers and other employees of the organization.

MATHEMATICAL SKILLS

Ability to calculate and balance other bank accounting data. Needs to understand basic accounting principles such as debits and credits.

REASONING ABILITY

Ability to follow written and verbal instructions, recognize problems and bring them to the attention of appropriate personnel.

PHYSICAL DEMANDS

Ability to work in a general office environment and on occasion, able to lift up to 50 pounds.

WORK ENVIRONMENT

The noise level in the work environment is usually moderate.

INTERPERSONAL RELATIONS

As a "team member," regularly interact with co-workers. The loan support person is expected to take the initiative to see that work is done and to help research or solve problems. This person is also expected to adapt to changes in procedures.

COMPUTER SKILLS

Understand and be able to apply computer skills to communicate effectively within the organization using word processing to format letters or correspondence, set-up and maintain electronic folders/files; send/save attachments. Depending on the position, have a basic understanding of accounting software to develop reports and forms such as spreadsheets/tables.

Be able to use email for communication (internal and external) and access outside websites as well as interface with the bank’s network.