Commercial Loan Processor
Loan - Commercial/Consumer - Jefferson City, MO

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Must be available Monday - Friday 7:30am - 4:30pm.

Two years’ bank consumer, mortgage or commercial loan processing/servicing experience and knowledge of bank credit processing/servicing procedures and policies preferred.
Knowledge, skill and mental development equivalent to the completion of high school and some college courses (in the field of business), which includes specific courses in bookkeeping, business, math and typing.
Self-starter; able to see what needs to be done.
Knowledge, skill and mental development equivalent to the completion of high school and some college courses (in the field of business), which includes specific courses in bookkeeping, business, math and typing.
Knowledge of data processing, accuracy with numbers and attention to detail is a must. A high level of concentration is imperative. A lot of the decision making and problem solving that may arise in this position must be resolved by this person. Anything that the incumbent is unable to solve would be referred to the Loan Administration Officer.
Excellent problem-solving abilities.
Strong verbal communication skills.
Analytical (statistical), organizational and time management skills.
Ability to handle multiple tasks simultaneously in a fast paced environment.
Knowledge of the necessary documentation and procedures to secure and perfect the bank’s collateral is imperative.
Strong verbal communication skills as evidenced by the ability to interact over the telephone and in person with customers, co-workers, and loan officers. Demonstrated ability to use discretion, tact and diplomacy when dealing with customers and co-workers, and a “professional” personal appearance and attitude at all times.
Good math skills.
Customer relations/service skills.
Excellent typing/word processing and written communication skills. Working knowledge of various word processing and spreadsheet software. Good proof reading and editing skills.
Ability to learn and understand regulatory and compliance issues affecting all lending areas. Ability to apply this knowledge in day-to-day operations.

Job Description:
This full-time position is located in the Commercial/Consumer Loan Department for Jefferson Bank.

Prepare new loan documents through loan processing programs Laser Pro, E3, etc. Assist the officers in preparing loan packets, which includes but not limited to, title work, Good Faith Estimates, flood work, resolutions, Certificates of good standing, credit bureaus, trust agreements, tax identification numbers, and insurance.
Accountable for preparing modifications/extensions in accordance with the officer’s direction and insuring adherence to all regulations and procedures pertaining to such modifications and /or modifications/extensions. Monitor and File received modifications/extensions in applicable file.
Provide prompt, courteous and excellent service to internal and external customers at all times. This includes an obligation to actively cooperate and interact with other departments and facilities to advance the overall interests of the bank.
Responsible for assuring that proper and accurate documentation is the Commercial and Installment Loan files by working the Tickler Reports. This includes identifying collateral documentation exceptions for tracking. Work with the lending officers to eliminate exceptions and recognize potential problems with loans.
Responsible for assuring adherence to the Holding Company Insurance policy by identifying, and tracking insurance on all Commercial, Home Equity and Installment Loans.
Perform final review of loan files to ensure tickler is set up before filing in vault and responsible for obtaining outstanding items such as insurance, final title work, recorded deed of trust and verified lien. Responsible for reviewing file for adherence to regulations and lending policy including recorded Deeds of Trust, final title work, insurance, legal description and appraisal.
Ensure prompt and courteous response to customer inquiries whether by telephone or in person.
Ensure compliance for Community Reinvestment Act (CRA), Home Mortgage Disclosure Act (HMDA).
Maintain educational and professional expertise through attendance at job related seminars, conferences and workshops.
This position requires effective communication between all lending personnel, borrowers, regulators, auditors, outside agencies (other Financial institutions, Title Companies, Insurance Agencies), Compliance Officer and Accounting Department to assure adequate and proper procedures, payment application, system coding and compliance.
Contribute to the effort of the Bank by performing other duties as assigned.
Work closely with the Lending officers and perform additional assignments for them.