Commercial Loan Assistant
Fresno, CA Lending
Job Type
Full-time
Description

At Fresno First Bank, we truly believe that our people are our greatest asset – and we treat them as such. We offer exciting and interesting opportunities for dedicated, hard-working professionals. If you share our values and passion for providing clients with opportunities to achieve their aspirations and personal success.


Our Values:

Teamwork: We all pitch in to provide the high caliber service our customers deserve. We have to trust and rely on each other to execute our work with purpose and efficiency – however difficult the task might be. We are constantly thinking about the next step and the next opportunity.


Relationships: Building mutually beneficial relationships is crucial to the long-term success of our organization. By immersing ourselves in the business ventures we empower, we come to understand our customers as people with real human needs rather than just numbers.


Authentic: We say what we mean, and we mean what we say. Internally that means holding each other accountable and owning up to mistakes. It also means being straight forward with customers.


Commitment: Our pride of ownership is strong. Every day, we bring our best in order to support our customers and represent the bank.


Employment with Fresno First Bank will allow you to earn competitively, grow professionally and enjoy a collaborative and compassionate culture that rewards good ideas, good work, and initiative.


The position of Commercial Loan Assistant is responsible for assisting loan officers and other credit staff in the closing and servicing of loans and to provide general support for other credit related activities. Assures compliance with all Bank policies and procedures, as well as, all applicable state and federal banking regulations.


Job Duties

  • Assist loan officers with organization of credit files for processing (underwriting, documentation, closing, decline, etc.) after a credit request is prescreened and deaccessioned.  This may include:
  • Organizing, naming, formatting, scanning, indexing data files. 
  • Ordering background reports such as credit reports, D&B reports, or lien searches.
  • Prepare correspondence such as commitment letters, needs letters, or credit denials.
  • Opening escrows and coordinating title work.
  • Ordering third party reports such as appraisals, environmental reports, and collateral exams.
  • Assist with getting closing documentation from Borrower.
  • Verifying insurance.
  • Clearing closing conditions. 
  • Preparing documentation order forms.
  • Ordering payoffs.
  • Reviewing loan documentation for accuracy.
  • Coordinating closing with borrowers, guarantors, brokers, title companies, or attorneys.
  • Coordinating cross-sell of bank products and services with other bank departments. 
  • Answers the telephone; responds to routine loan officer or customer inquiries relative to account balances, loan balances, loan advances, pay downs, or other miscellaneous loan servicing tasks.
  • Provides effective customer service and assists in resolving problems within given authority.
  • Prepares routine correspondence, reports and forms.


Requirements

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

  • Related work experience in positions such as loan assistant or loan closer, in a financial institution, title company, escrow company, or law firm. 
  • Intermediate level of work experience, knowledge and training in loan application processing, loan terminology, loan closing, loan documentation, business entity documentation.
  • Intermediate knowledge of related state and federal banking compliance regulations, and other Bank lending policies.
  • Intermediate skills in computer terminal and personal computer operation; mainframe computer system; internet searches; and MS Office (Word and Excel).
  • Intermediate typing skills to meet production needs of the position.
  • Intermediate math skills; calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent. 
  • Effective oral, written and interpersonal communication skills with the ability to apply common sense to carry out instructions, interpret documents, understand procedures, write reports and correspondence, and speak clearly to customers and employees.
  • Ability to deal with multiple tasks with varying degrees of difficulty with hard completion deadlines.
  • Effective organizational and time management skills.
  • Ability to work with minimal supervision while performing duties.
  • Current California driver’s license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities.