ESSENTIAL FUNCTIONS

Reasonable Accommodations Statement 

To accomplish this job successfully, an individual must be able to perform, with or without reasonable accommodation, each essential function satisfactorily. Reasonable accommodations may be made to help enable qualified individuals with disabilities to perform essential functions. 

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned: 

1. Provides analytical and technical support by preparing, monitoring, and completing loan documentation for the Loan Officers and other staff members. 
2. Receives complete application from lender and generates preliminary loan documents. 
3. Reviews underwriting requirements and requests verifications from customers. 
4. Orders title work, appraisal, flood certification. 
5. Requests homeowner’s insurance from borrower or insurance agent.  
6. Coordinates the file transition between Underwriter and Lender. 
7. Post-closing duties include but are not limited to: 
8. Funding loan 
9. Disbursing funds 
10. Record mortgage/deed package 
11. Upload documents accurately to Synergy 
12. Completes servicing duties including Payoff letter, AFT/ACH, daily maintenance 
13. Balancing and auditing accounts 
14. Ensures accuracy of bank records by maintaining knowledge of both state and federal bank regulations along with MBT Bank policies for the purpose of documentation, account information, and other services with current software program(s) for customer and internal customer needs. 
15. Understands basic underwriting guidelines and servicing duties. 
16. Inputs new account information and account maintenance on data base with accuracy and speed along with maintaining appropriate records. 
17. Maintains customer files for completeness by originating, researching, and clearing ticklers. 

NON-ESSENTIAL DUTIES

1. Builds customer relationships by assisting in non-essential duties involving fairs, parades, and other bank activities as required. 
2. Provides additional financial services to customers by responding to customer questions with referrals to MBT Investment Department, Insurance Department, Retail Bankers, and other banking departments. 

POSITION QUALIFICATIONS

Competency Statement(s) 

• Accountability – Ability to accept responsibility and account for his/her actions. 
• Accuracy – Ability to perform work accurately and thoroughly. 
• Adaptability – Ability to accept ongoing changes. 
• Analytical – Ability to use thinking and reasoning to solve a problem. Ability to comprehend mathematical calculations such as addition, subtraction, multiplication, division, and calculations of interest and any other skills as needed. 
• Communication, Oral – Ability to communicate effectively with others using the spoken word. 
• Communication, Written – Ability to communicate professionally with interpersonal, concise, accurate verbiage along with the ability to write technical processes and procedures. 
• Confidentiality – Ability to maintain confidentiality of all customer & employee information. 
• Customer Service – Ability to identify customer needs. 
• Decision Making – Ability to make critical decisions while following bank policies and regulations. 
• Deductive Reasoning – Ability to apply principles of logical or scientific thinking to a wide range of intellectual and practical problems. Knows and understands general accounting procedures such as debits and credits. 
• Dependability – Ability to arrive at workstation on time and ready to work. Covers area according to break/lunch schedules. Consistently uses Timeclock to clock in/out for payroll purposes, if applicable. 
• Detailed oriented – Ability to pay attention to the minute details of a project or task. 
• Ethical – Ability to demonstrate conduct that conforms to a set of values and accepted standards which includes adhering to all policies, guidelines, and procedures. 
• Flexibility – Ability to accept changes in workload, location, schedules, or duties. 
• Leadership – Ability to influence others to perform their jobs effectively and to be responsible for making decisions. 
• Multi-tasking – Ability to work simultaneously on several tasks. 
• Productivity – Ability to maintain productivity standards with minimal staffing periods. 
• Reasoning Ability – Ability to develop a clear understanding of the banks key functional processes and resources. Ability to thoroughly understand and apply principles, procedures, compliance requirements, state/federal regulations, and policies related to assigned areas. 
• Relationship Building – Ability to effectively build relationships with co-workers and customers. 
• Self-Confidence – The trait of being comfortable in making decisions for oneself. 
• Stress Management – Ability to maintain composure with a positive attitude during stressful periods, high volume periods, or procedural changes. 
• Teamwork – Ability to contribute to a team atmosphere, gets along well with supervisor and peers. 
• Time Management Skills – Ability to organize and direct oneself completing all duties in a neat, orderly, and timely manner. 

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SKILLS & ABILITIES  

• Education:     High School Diploma or equivalent. 
• Experience:     Two or more years of banking experience and/or working knowledge of business office or bank functions is preferred. 
• Computer Skills:  Proficiency in the use of basic office equipment, keyboarding, O365, web-based software, banking software, and overall computer navigation. 

PHYSICAL DEMANDS

N (Not Applicable) Activity is not applicable to this position. 

O (Occasionally) Position requires this activity up to 33% of the time. (2-2.5+ hrs/day) 

F (Frequently) Position requires this activity from 33% - 66% of the time. (2.5 – 5.5+ hours/day) 

C (Constantly) Position requires this activity more than 66% of the time. (5.5+ hrs/day) 

Physical Demands Lift/Carry

Stand O 10 lbs. or less O 

Walk O 10-20 lbs. O 

Sit C 21-50 lbs. O 

Manually Manipulate F 51-100 lbs. O 

Grasp F Over 100 lbs. N 

Reach Outward F       

Reach Above Shoulder O Push/Pull   

Speak C 12 lbs. or less O 

Climb O 13-25 lbs. O 

Crawl O 26-40 lbs. O  

Squat or Kneel O 41-110 lbs. N 

Bend O       

Other Physical Requirements 

• • Vision 

WORK ENVIRONMENT

The work environment characteristics described here are representative of those that are generally found in a bank office environment. 

• Work is generally sedentary in nature. 
• The working environment is generally favorable but may have fluctuations in office temperatures. 
• Work is generally performed within an office environment with standard office equipment available. 
• May have distractions from other people’s conversations, coin machines, and drive-up loudspeakers. 

SUPERVISORY RESPONSIBILITIES

This position requires no supervision of others. 

CERTIFICATES, LICENSES, REGISTRATIONS

None required.