Loan Assistant

• Assist with the preparation and review of all account documentation pertinent to loans and deposits.
• Assist with due diligence/analysis of new client relationships, including the preparation of opportunity memos as appropriate.
• Assist with construction loan inspections and process loan disbursement requests.
• Prepare cashier's checks for borrowers when authorized by the Loan Officer.
• Obtain and update collateral valuations:

• To include ordering real estate appraisals from the Bank's approved Appraiser list and cooperating with information requests from outside Appraisers (typical information requests relate to providing project cost breakdowns).
• This may also include working with equipment Appraisers or conducting research to determine collateral values.
• Order and obtain environmental assessments on real estate collateral.
• Order Title Commitments and work closely with Title Companies and/or Borrowers to clear title exceptions.
• Order flood insurance determinations and review findings with the Loan Officer and/or Borrower.
• Request borrower credit reports.
• Pre and post loan closing:

• Prepare the Loan Worksheet for the Loan Officer's approval
• Assemble required loan documentation in advance of loan closings.
• Submit closed loan packages to the Loan Center.
• Follow up with borrowers to obtain post-closing items, if any.
• Reporting and Tickler items:

• Work with Bank clients to update evidence of insurance.
• Track matured and past due loans to assist the Loan Officer with renewing loans in a timely manner and minimizing loan delinquencies.
• Maintain the tickler files to assure financial statements, tax returns, debt schedules, UCC filings, and insurance policies are current.
• Review commercial account activity and assist the Loan Officer with clearing issues on a regular basis.
• Demonstrate effective and professional verbal and written communication skills. Correspond with Bank clients at the direction of Loan Officers or Bank Management.
• Set appointments for Loan Officers.
• Maintains the highest level of confidentiality with all information obtained.
• Actively participate in training programs to maintain and acquire additional job knowledge and skills.
• Promote the bank's products and services.
• Represent the Bank in a manner that maintains and expands positive relations with all customers, prospects and Bank colleagues.
• Perform as a team member in allocating and coordinating the work flow.
• Contribute to the fulfillment of department, company objectives, and goals.
• Comply with all Bank policies, procedures and regulations.
• Meet expectations for attendance and punctuality.
• Other duties as assigned.

• Develop familiarity with all applicable federal and state banking rules and regulations regarding lending.
• Adhere to all applicable Bank policies and procedures.
• Cooperate with banking Regulators and Auditors.

• Positive attitude and the ability to take direction and accept constructive feedback.
• Keep appropriate parties informed of project status, problems, issues, etc.
• Negotiate and attempt to resolve conflicts around projects or work assignments; communicate problems to the manager as needed.

• Preferred Skills/Experience

• Willingness to learn and a fundamental curiosity about loan documentation and portfolio management.
• Experience with bank loan and deposit systems preferred.
• Some accounting experience is preferred. Financial institution experience may be substituted.
• Demonstrated competency with Microsoft Office Suite.
• Detail oriented and analytical thinker.
• Strong organizational and problem solving skills.
• Ability to multitask in a dynamic environment.
• Effective verbal and written communication skills

• Ability to work independently, as well as part of a cohesive team.

• Ability to meet bonding requirements for employment purposes.

Capital Community Bank