VisionBank
  • 17-Jun-2020 to Until Filled (CST)
  • Ag/Commercial Loan Ops
  • Ames, IA, USA
  • Hourly
  • Full Time

Full Benefits Package


Summary Responsible for the operational performance of the loan processing department. Allocates operations resources to the work tasks. Supervises and provides day to day coordination of the company's lending operations activities in accordance with established systems and procedures. Ensures that the department is adequately staffed and that personnel are trained. Reviews and recommends new methods and procedures to make daily operations in the area more efficient. Plans and schedules the activities within the loan processing area and coordinates them with other operations areas as required.

Essential Duties and Responsibilities include the following. Other duties may be assigned.

Loan Assistant:

Reviews loan worksheets and orders reports necessary to process loans, including but not limited to credit reports, title and lien searches, appraisals, surveys and title insurance commitments.

Prepares loan documentation and paperwork for loans in accordance with bank policy/procedures.

Makes necessary filing, recording and acknowledgments to perfect liens.

Enters new loans into the bank database and disburse loan.

Sets up and maintain customer loan files.

Processes paid loan files including terminating or releasing loan collateral.

Tracks customer and collateral information and follow-up on exception items as needed.

Requests and obtain evidence of appropriate insurance coverage for each loan according to established procedure/policy.

Maintains and service existing loans.

Reviews loan documentation, new loans entered and the maintenance of existing loans for accuracy and completeness.

Prepares loan tickets, including loan advances and payments, as required for processing loans and perfecting collateral.

Processes credit inquiries.

Provides back up support for other loan assistants

Provides customer service to internal and external customers in a professional, timely and courteous manner.

Adhere to State and Federal Banking regulations.

Management:

Supervises, directs, assists, and assigns work to department personnel.

Maintains an up-to-date working knowledge of all regulations and bank programs, policies, and procedures regarding the lending function, as well as general understanding of other services offered by the bank.

Performs the more complicated department functions; may include specialized and/or complex assignments; simultaneously handles multiple tasks.

Orders appraisals.

Prioritizes workload for self and department to meet stringent deadlines.

Assures that all documentation necessary to produce new loans is completed in accordance with the bank's policies and procedures.

Resolves loan documentation discrepancies and differences with lending officers. Completes deficiencies as appropriate.

Oversees the check back process. Includes when loans are booked, documentation that is indexed in Director, and advances.

Establishes effective communication with subordinates; and completes timely and effective performance and salary reviews of subordinates.

Motivates, communicates, and instructs subordinates in their responsibilities, limits of authority, and lines of communication.

Serves as conduit to provide information and training materials to the loan department concerning new and/or revised compliance regulations.

Communicates ag/commercial regulatory information to all affected personnel via memoranda, E-mail, etc.

Revises current loan documents or drafts new loan documents as required by current law, amendments to law, new law, or product changes.

Prepares and/or assists in the preparation of various required lending reports.

Handles problems and coordinates special projects, maintains a working knowledge of the loan documentation preparation software. Performs administrative functions involving this software and other needs that arise.

Prepares and updates loan documentation preparation manuals and procedures as necessary.

Verifies that all credit reports, appraisals, and property searches have been ordered and received.

Helps departmental personnel resolve issues and exceptions which disrupt normal departmental work flow.

Analyzes processing unit operations and recommends improvements which better enables sales and service efforts.

Assists in developing any special lending programs; then monitor for compliance.

Assists with Year End Reporting for loan department. 

Supervisory Responsibilities                                                    

Manages ag/commercial loan processing department. Is responsible for the overall direction, coordination, and evaluation of this unit. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems.

Competencies                                                  

To perform the job successfully, an individual should demonstrate the following competencies:

Analytical - Synthesizes complex or diverse information; Collects and researches data; Uses intuition and experience to complement data; Designs work flows and procedures.

Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in group problem solving situations; Uses reason even when dealing with emotional topics.

Project Management - Develops project plans; Coordinates projects; Communicates changes and progress; Completes projects on time and budget; Manages project team activities.

Technical Skills - Assesses own strengths and weaknesses; Pursues training and development opportunities; Strives to continuously build knowledge and skills; Shares expertise with others.

Customer Service - Manages difficult or emotional customer situations; Responds promptly to customer needs; Solicits customer feedback to improve service; Responds to requests for service and assistance; Meets commitments.

Interpersonal Skills - Focuses on solving conflict, not blaming; Maintains confidentiality; Listens to others without interrupting; Keeps emotions under control; Remains open to others' ideas and tries new things.

Oral Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Demonstrates group presentation skills; Participates in meetings.

Written Communication - Writes clearly and informatively; Edits work for spelling and grammar; Varies writing style to meet needs; Presents numerical data effectively; Able to read and interpret written information.

Teamwork - Balances team and individual responsibilities; Exhibits objectivity and openness to others' views; Gives and welcomes feedback; Contributes to building a positive team spirit; Puts success of team above own interests; Able to build morale and group commitments to goals and objectives; Supports everyone's efforts to succeed.

Visionary Leadership - Displays passion and optimism; Inspires respect and trust; Mobilizes others to fulfill the vision; Provides vision and inspiration to peers and subordinates.

Change Management - Develops workable implementation plans; Communicates changes effectively; Builds commitment and overcomes resistance; Prepares and supports those affected by change; Monitors transition and evaluates results.

Delegation - Delegates work assignments; Matches the responsibility to the person; Gives authority to work independently; Sets expectations and monitors delegated activities; Provides recognition for results.

Leadership - Exhibits confidence in self and others; Inspires and motivates others to perform well; Effectively influences actions and opinions of others; Accepts feedback from others; Gives appropriate recognition to others.

Managing People - Includes staff in planning, decision-making, facilitating and process improvement; Takes responsibility for subordinates' activities; Makes self-available to staff; Provides regular performance feedback; Develops subordinates' skills and encourages growth; Solicits and applies customer feedback (internal and external); Fosters quality focus in others; Improves processes, products and services.; Continually works to improve supervisory skills.

Quality Management - Looks for ways to improve and promote quality; Demonstrates accuracy and thoroughness.

Business Acumen - Understands business implications of decisions; Displays orientation to profitability; Demonstrates knowledge of market and competition; Aligns work with strategic goals.

Cost Consciousness - Works within approved budget; Develops and implements cost saving measures; Contributes to profits and revenue; Conserves organizational resources.

Diversity - Demonstrates knowledge of EEO policy; Shows respect and sensitivity for cultural differences; Educates others on the value of diversity; Promotes a harassment-free environment; Builds a diverse workforce.

Ethics - Treats people with respect; Keeps commitments; Inspires the trust of others; Works with integrity and ethically; Upholds organizational values.

Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values; Benefits organization through outside activities; Supports affirmative action and respects diversity.

Strategic Thinking - Develops strategies to achieve organizational goals; Understands organization's strengths & weaknesses; Analyzes market and competition; Identifies external threats and opportunities; Adapts strategy to changing conditions.

Judgment - Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions.

Motivation - Sets and achieves challenging goals; Demonstrates persistence and overcomes obstacles; Measures self against standard of excellence; Takes calculated risks to accomplish goals.

Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently; Plans for additional resources; Sets goals and objectives; Organizes or schedules other people and their tasks; Develops realistic action plans.

Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position; Accepts responsibility for own actions; Follows through on commitments.

Quality - Demonstrates accuracy and thoroughness; Looks for ways to improve and promote quality; Applies feedback to improve performance; Monitors own work to ensure quality.

Quantity - Meets productivity standards; Completes work in timely manner; Strives to increase productivity; Works quickly.

Safety and Security - Observes safety and security procedures; Determines appropriate action beyond guidelines; Reports potentially unsafe conditions; Uses equipment and materials properly.

Adaptability - Adapts to changes in the work environment; Manages competing demands; Changes approach or method to best fit the situation; Able to deal with frequent change, delays, or unexpected events.

Attendance/Punctuality - Is consistently at work and on time; Ensures work responsibilities are covered when absent; Arrives at meetings and appointments on time.

Dependability - Follows instructions, responds to management direction; Takes responsibility for own actions; Keeps commitments; Commits to long hours of work when necessary to reach goals; Completes tasks on time or notifies appropriate person with an alternate plan.

Initiative - Volunteers readily; Undertakes self-development activities; Seeks increased responsibilities; Takes independent actions and calculated risks; Looks for and takes advantage of opportunities; Asks for and offers help when needed.

Innovation - Displays original thinking and creativity; Meets challenges with resourcefulness; Generates suggestions for improving work; Develops innovative approaches and ideas; Presents ideas and information in a manner that gets others' attention.

Qualifications 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.

Education and/or Experience                                                 

High school diploma or general education degree (GED) with a minimum of five (5) years of loan processing or lending experience. Prefer supervisory experience.

Language Skills                                               

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

Mathematical Skills                                                     

Ability to add, subtract, multiply, and divide. Ability to compute rate, ratio, and percent.

Reasoning Ability                                             

Ability to apply common sense understanding to carry out detailed but uninvolved written or oral instructions. Ability to deal with problems involving a few concrete variables in standardized situations.

Computer Skills                                               

To perform this job successfully, an individual should have knowledge of Spreadsheet software, Word Processing software, Internet and Outlook E-mail.

Other Qualifications                                                    

Must be able to travel to all bank locations using own transportation.

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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is frequently required to walk. The employee is occasionally required to stand; climb or balance and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 20 pounds. Specific vision abilities required by this job include close vision, peripheral vision and ability to adjust focus.

 

Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

 

The noise level in the work environment is usually moderate.

 

VisionBank is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, ancestry, pregnancy status, sex, age, marital status, medical conditions, sexual orientation, gender identity or expression, veteran and/or disability status.

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VisionBank is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, ancestry, pregnancy status, sex, age, marital status, medical conditions, sexual orientation, gender identity or expression, veteran and/or disability status.

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