Community Bank and Trust has 15 branch locations in a two state area. We employ 100+ employees in a variety of positions from part time Teller to Executive Officers. Please go to www.cbthomebank.com for benefits information and to complete an online application.
This position is responsible for preparing documents to initiate and close loans. Work is performed within the framework of standard operating policies and procedures, however, independent judgment and discretion is required in performing assigned tasks. Deviations from normal procedures and/or questions are referred to the supervisor.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following.
Receive loan folder from loan officer; review set-up sheet and loan application; access and print credit information when necessary; perform detailed data entry to create initial loan documentation; contact loan officer and/or customer with questions; print and sort documents; photocopy authorization forms, type envelopes, and assemble mailing with appropriate authorizations, verification forms, and return envelopes; order necessary documentation; print loan processing status sheet, reassemble file, and forward file to loan officer.
Receive notification of loan closing details and loan file with closing worksheet from loan officer; access loan record corresponding to the request and perform necessary data entry adjustments; proofread all documentation for accuracy and completeness; type and proofread legal description; print and forward completed documentation and loan file to underwriter and/or loan officer for final review prior to loan closing.
Receive closed loan information back from lender and review loan documentation to ensure it is complete and the proper signatures have been obtained and regulatory compliance requirements have been met. Fill out necessary information for each loan to forward with loan to be booked on the core system.
Answer telephone, transfer calls, and/or take and transmit messages; perform general clerical duties.
Comply with all banking regulations, policies and procedures.
Confidentiality is required in all phases of employment.
NON-ESSENTIAL DUTIES & RESPONSIBILITIES include the following. Other duties may be assigned.
Maintain knowledge of loan system, loan products, documentation and regulations through attendance at job related seminars, conferences and workshops.
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
Possess a high school diploma or GED certification, plus additional education and/or training.
Two to three years of loan processing experience.
Knowledge of lending policies and procedures, compliance policies and procedures and disclosure and applicable state and federal regulation. Knowledge of Article 9 of the UCC and real estate laws pertaining to liens.
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. Ability to read, analyze and interpret compliance policies and procedures. Ability to comprehend required components of loan files.
Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals.
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.
OTHER SKILLS AND ABILITIES
Must have the ability to operate the following equipment: telephone, 10-key calculator, typewriter, personal computer and printer, copy machine, shredder, step stool and/or ladder, multi-drawer file cabinet, fax machine. Must have working knowledge of spreadsheet, word processing and database management software programs. Basic PC knowledge.
KEY CONTACTS--Internal and External
Has frequent contact with loan officers and customers.
CERTIFICATES, LICENSES, REGISTRATIONS
Valid driver's license.
Ability to be bonded by Bank's surety company.
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 occasionally required to stand; use hands to finger, handle, or feel; reach with hands and arms; climb or balance; stoop, kneel, crouch, or crawl. The employee is frequently required to walk and sit, talk or hear. The employee must occasionally lift and/or move up to 25 - 50 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus.
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.
Individual is required to work in a team atmosphere, willing to assist others at anytime.
Position may require occasional overnight travel to attend various training sessions.
Position requires the ability to work before or after normal business hours to attend various meetings and meet with clients.
Position may require occasional travel to various locations for job related business.