Central Consumer Loan Processor - Citizens Bank : Job Details

POSITION DESCRIPTION

POSITION TITLE: Central Consumer Loan Processor (Loan Support)

DEPARTMENT: Loan Administration/Credit Administration

CLASSIFICATION: Non-Exempt

REPORTING RELATIONSHIP

POSITION REPORTS TO: Central Consumer Loan Underwriter

POSITIONS SUPERVISED: None

POSITION SUMMARY

The Central Consumer Loan Processor is responsible for preparing approved loans for closing which includes but is not limited to: preparing loan documents, preparing general ledger and loan tickets, preparing checks and wires, and send documents for recording, booking loans and all follow up after the loan is closed.

ESSENTIAL DUTIES & RESPONSIBILITIES

* Prepare adverse action letters and process/closed out all non-originated loans.

* Work with numerous third party providers (i.e. appraisers, surveyors, attorneys, flood determination companies, etc.)

* Knowledge of bank loan policy, procedure and loan regulations.

* Prepare loan documents utilizing the Laser Pro doc prep software system

* Prepare various general ledger tickets, loan tickets, checks, and wires in order to disburse loan proceeds and prepare file for booking.

* Follow up on outstanding recorded documents, liens and title policies.

* Update any reports that are required for tracking.

EDUCATION &/OR EXPERIENCE

* Requires High School diploma or equivalent

* Knowledge in various software systems (i.e. Laser Pro, Bankway, Word, Excel)

* Know how to operate and work email and attachments, Internet, fax, phone, calculator and typewriter.

* Knowledge of loan regulatory compliance regulations.

* Typing and filing.

OTHER SKILLS / QUALIFICATIONS

* Must possess basic language skills to write and speak clearly, effectively and appropriate to business standards.

* Must have the ability to perform mathematical calculations necessary to execute the duties of the job.

* Must be able to make sound decisions, have the ability to recognize potential problems, and take appropriate corrective action.

* Must be well organized, accurate, and attentive to details.

* Must be cooperative and willing to assist others. Able to work independently, as well as work with other associates or members of upper management.

* Must possess the necessary social skills to fulfill the requirements of the position.

* Must be able to work in a fast-paced environment with demonstrated ability to juggle and prioritize multiple, competing tasks and demands, while staying calm under high-pressure situations and seeking supervisory assistance as appropriate.

* Position may require the ability to work before or after normal business hours to attend various employee meetings, training sessions, and community events supported by the Bank.

WORK ENVIRONMENT

Be willing to work in a professional, business office environment in manner and dress. Demonstrate excellent human relations skills with customers and bank associates. Be willing to participate as a team member.

PHYSICAL DEMANDS

No unusual physical demands required for this job. Must be able to do sedentary work as defined as involving lifting no more than 20 pounds at a time and occasionally lifting and carrying articles like, docket files, ledgers and small tools , typical of most office positions. 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.

Type / Frequency / Description

Lifting / Weekly / Files

Carrying / Weekly / Files

Special Visual / Daily / Computer monitor

Handing / Daily

Walking / Daily

Pulling/Pushing / Daily

Bend/Climb / Daily

Reading / Heavy / Reports, memoranda, application processing system.

Verbal / Heavy / With staff, Sr. Management, vendors, and potentially Board

Analytical / Heavy / Credit proposals and general memoranda

Writing / Heavy / Memoranda, reports, emails and letters

Typing / Daily / Keyboarding ability is necessary

COMPLIANCE WITH REGULATORY REQUIREMENTS

Each associate is responsible for compliance with all applicable regulatory requirements affecting the banking industry as well as applicable Citizens Bank & Trust programs, policies and procedures. When an associate has supervisory responsibilities, he or she will make certain that their staff understands their responsibilities to comply with applicable regulatory issues and internal programs, policies and procedures.