Job description

GENERAL SUMMARY
This position provides an opportunity to be involved in a dynamic, fast-paced, team-oriented environment. The successful candidate will be self-motivated, have an entrepreneurial attitude, a strong work ethic, and excellent organizational, writing, and time management skills.
The Processor will work as part of the overall commercial lending and credit administration teams to administer and maintain the commercial loan portfolio, be a point of contact with commercial lenders, borrowers and prospects to provide customer assistance, ensure proper documentation of commercial loan files, and perform routine clerical and administrative work, along with the preparation of required reporting.

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SKILLS*

• Work independently with minimal supervision in a team environment and demonstrate the initiative to assume additional responsibility
• Strong verbal and written communication skills
• Effective interpersonal skills and team player
• Ability to meet deadlines and multi-task
• Sound judgment in problem solving and decision making
• Strong attention to detail and accuracy

ESSENTIAL DUTIES AND RESPONSIBILITIES

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Commercial Loan Files & Documentation Preparation:*

• Prepares documentation for new, modified and renewed commercial loans of all types working directly with lenders as files are assigned by Commercial Loan Administration Supervisor
• Works closely with lenders upon assignment of approved loan presentation to begin the process of preparing the loan, including ordering of title work, evidence of insurance, flood zone certification, etc.
• Support loan process by communicating with attorneys, appraisers, insurance agents, title companies, and other third parties to coordinate the details of loan transactions
• Ensure that loan covenants are properly documented, and exceptions are accurately identified prior to funding
• Works with other commercial loan staff to ensure that a pre-closing review of prepared documentation is completed, and all documents are correct and accurate prior to releasing documents to lender for the lender to review prior to closing.
• Books commercial loans upon closing and receipt of all associated documentation; Coordinate funding, perform post-closing file review and ensure perfection of liens on collateral
• Follows up on completed loans to ensure all documentation is received and recorded
• Maintain commercial loan documentation files in the standard format, including electronic imaging
• Works with the Commercial Loan Administration Supervisor on special projects and specific requests.
• Ensure that work is performed in accordance with all banking regulations and the Bank’s policies and procedures

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Commercial Lender & Customer Assistance:*

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Handles customer and lender inquiries via telephone, in-person, or email; may involve payments, advances and corrections among other requests

• Payment and payoff processing.
• Provides assistance with answers and explanations related to loan billing questions
• Provides assistance to Commercial Lenders with answers and explanations for customer related requests
• Completes customer and loan file maintenance on the loan information system to ensure accurate and up to date reporting is available.
• Provides assistance to customers and lending staff as needed.
• Work with other commercial loan staff to provide a check of all file maintenance entered in the system.

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*Clerical & Administrative:

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Completes maintenance of records on Floor Plan Loans

• For construction loans, responsible for the draw process including monitoring, follow-up with Title Company, contractor and officer, and processing draws according to Bank policy.
• Prepares daily, monthly and quarterly reports as assigned or requested.
• Cross-trains with other members of the commercial loan department to provide thorough understanding of entire set of responsibilities and procedures.
• Assists with monitoring, tracking and reporting on loan documentation, and loan approval exceptions.
• Assists with Escrow payments and analysis (twice / year) as directed by Supervisor
• Forced place insurance maintenance
• Performs other tasks requested by supervisor as they relate to the Bank and its functions.

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OVERALL PERFORMANCE REQUIREMENTS*
The seven Principles of Success are part of the employee’s performance expectations at every level of the Bank. The “Principles” are intended to encourage a culture of accountability, pride, loyalty and enthusiasm. The first step in being successful is to be aware of the expectations and then to live the expectations.

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1. Embrace and Drive a Culture of Change*

• Support and encourage new ideas.
• Generate solutions and make informed decisions.

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2. Act as a Valuable & Enthusiastic Team Member*

• Recognize the importance of teamwork to achieve objectives.
• Communicate openly and confidently.
• Influence and convince others in a way that results in acceptance and agreement.
• Bring in ideas, information, suggestions and expertise from others inside your immediate team and in other departments.
• Build strong team relationships through mutual trust and accountability.
• Work in unity to improve our knowledge and skills.

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3. Focus on the Customer Experience to Build Loyalty*

• Cultivate relationships.
• Make an emotional connection– focus on the relationship, not the transaction.
• Provide advice and help on WSB products and services that are relevant to the customer’s unique needs.
• Accept customer feedback and follow documentation process if appropriate.
• Adheres to the customer communication protocols.

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4. Accept Responsibility and Accountability*

• Act with integrity.
• Be prepared for meetings, participate, respect the process and contribute solutions.
• Maintain commitments and remain positive in the face of setbacks and obstacles.
• Keep challenges in perspective and remain positive.
• Take personal accountability for achieving individual and shared goals.
• Be responsible for the effectiveness of training.
• Initiate action to move projects forward and adjust actions to respond to changing circumstances.
• Take responsibility for your own success.

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5. Serve the Community with Pride*

• Actively look for opportunities to be involved in the community.
• Recognize the importance of community involvement.
• Contribute and make a difference when dealing with outside organizations.

6. Follow Phone Etiquette

• Keep side conversations to a minimum
• Reduce the amount of noise that you generate by shuffling papers, moving keys or cellphones or other items
• Use the mute feature of the phone or teleconference system when you are not speaking to keep outside noise to a minimum

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7. Refuse to be Offended*

• Gain awareness of when and where you get offended
• Remove your emotion in the situation
• Respect different perspectives to achieve greater success

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QUALIFICATIONS*

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EDUCATION AND EXPERIENCE*

High School Diploma or GED and a minimum of 1 year banking experience.
Successful completion of in-house training program or other acceptable on-the job training program

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KNOWLEDGE, SKILLS & ABILITIES*

Excellent knowledge of bank operations; thorough knowledge of banking and cash management products; excellent knowledge of product delivery systems and on-line computer systems.
Excellent interpersonal, verbal and written communication skills.
Confidentiality – Maintains confidentially of sensitive Bank and personal information of customers, applicants, employees and former employees.
Compliance – Complies with and is knowledgeable of applicable laws and regulations.
Computer literacy – Skilled in a variety of computer software programs and capable of working in an online environment. Proficient PC and software application skills; General computer skills with experience in MicroSoft Office Word and Excel.
Mathematical skills – Able to add, subtract, multiply and divide in all units of measure, using whole number and decimals. Able to locate routine mathematical errors. Ability to compute rate, ratio and percent.
Customer service – Effectively relates to customers, is responsive to customer needs and demonstrates ability to employ diplomacy and tact with customers.
Independent Judgement – functions independently in order to accomplish assigned projects. Refers unusual problems to supervisor.
Accuracy – Performs work accurately and thoroughly with attention to detail.
Problem solving – Deals proactively with work-related problems and finds an acceptable solution.
Reasoning – Possesses the analytical skill to assess and evaluate business processes and/or products.
Technical Aptitude – Comprehends complex technical topics and specialized information and has knowledge of Bank’s electronic services.
Time management – Manages multiple priorities and is well organized.

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PHYSICAL REQUIRMENTS*

The physical requirements described here are representative of those that must be met by an employee to successfully perform the essential functions of the 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 frequently required to sit; stand; walk; talk; hear; see close vision; and use hands. The employee is occasionally required to reach with hands and arms; lift 5 to 20 pounds; and stoop, kneel, crouch, or crawl.
Equipment: PC, keyboard, calculator, and telephone.

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WORK ENVIRONMENT*

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
Noise level is moderate; Steady pace; Occasionally must deal with angry or hostile individuals; travel within the Bank’s branch offices is required.
Please complete an online application or send resume to:
West Shore Bank
P.O. Box 627
Ludington, MI 49431
Fax: 231-845-8535
M/F/Vet/Disabled/Minority/National Origin/Religion/Sexual Orientation/Gender Identity

Job Type: Full-time

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