Under the direction of the Commercial Relationship Officer Market Manager the Commercial Lending Assistant assists Commercial Lender(s) with customer requests, documentation requests, various reports, portfolio management, and other general customer service-related issues.

Duties and Responsibilities:

Commercial Assistant:        

• Performs administrative duties, such as typing, filing or routine clerical work. Arranges appointments, and closings for Commercial Lender(s).
• Ensures due diligence is present and has been completed on loan requests prior to closing. Assists Lenders with loan presentations, commitment letters, annual reviews and other documentation. Reviewing loans to make sure that they are in accordance with Lender’s request, Bank Policy, and regulatory requirements.
• Assist Lenders in maintaining accurate financial information on customers. This includes monitoring & requesting updated financial information by letter and phone.
• Assists in managing outstanding document and financial exceptions. Proactively works with the lender(s) to maintain a clean portfolio free of any technical or financial exceptions over 90 days, including annual reviews.
• Proactively follows up with the lender(s) on the needs of their clients and the health of their portfolios.
• Request loan document packages for closing and then processing the closing package for loan servicing to upload and fund the loan. This may include sending documents for recording. Also monitoring of closing exceptions to complete the file.
• Will act as a liaison with Clients, Loan Servicing, Loan Processing, Asset Management, Loan Review, Credit Analysis, and all third-party suppliers (i.e. legal counsel, appraisers, etc.). Will schedule loan closings with Title Companies, Customer and Lender when applicable.
• Assists in building customer relationships by handling incoming calls and emails to ensure timely response of queries while maintaining an office presence in the absence of the Commercial Lender(s).
• Work with customers and make sure that questions on existing loans and pending requests are answered in a timely manner or directed to the proper department or employee.

Branch Operations:                 

• Keep abreast of changes in products, policies and procedures, and attend training as needed.
• Performs other duties as assigned.

Customer Service:                   

• Assists customers with resolution of account problems and issues.
• Is responsible for comprehensive, prompt and efficient customer service.

Competencies:

1.           Managing Time:

Is able to set goals for oneself and to be a self-starter. Displays the ability to meet and set workflow deadlines.

2.           Oral/Written communication skills:

Must be able to communicate thoughts clearly, both orally and written. High attention to detail- Consistently demonstrates the ability to provide accurate work by focusing on the details of a project or task and reviews work to identify and eliminate any errors.

3.           Customer Service:

Must have a demonstrated understanding of the Bank’s software to assist customers with loan questions, and to refer customers to appropriate individual or department for further assistance.

4.           Change Management:

Must look at change as an opportunity and challenge not as a negative. Must be willing to positively support Manager and management staff. Must be willing to express and support the Bank’s ideas to affected staff.

5.           Computer Knowledge:

Must have basic ability to operate computers, calculators and other standard office equipment. Must be well versed in Microsoft Word and Excel, and Credit Processing Software

6.           Knowledge of regulations that pertain to aforementioned activities.

Special requirements for the position, in addition to the competencies and accountabilities listed above.

• Prefer some form of secondary education and a minimum of 3 years’ experience in commercial loan processing, servicing, documentation, or related position.
• Must have the capacity to work under stress and handle difficult situations.

**It is encouraged that all applicants attach a resume when applying.

The Union Bank Company is an Equal Opportunity Employer of women, minorities, protected veterans and individuals with disabilities which includes reasonable accommodation of otherwise qualified disabled applicants and employees. Please see Human Resources should you have any questions about this policy or these job duties.