Reports To: Senior Vice President - Loan Portfolio Manager
FLSA Status: Non-Exempt
SUMMARY
Responsible for maintaining appraisal records and preparing reports for various Board Committees including Credit Committee, Risk & Compliance Committee and Board of Directors' Meeting. Expected to provide secretarial support for the Credit Department as well as maintain extensive communication with the Chief Credit Officer and Credit Managers. As Secretary to the Credit Committee, employee will be responsible for preparing the meeting minutes. Responsible for processing background reports such as credit reports, tax verification, Mari reports, Lexis Nexis and DNB reports, as well as preparing credit references.
JOB CLASSIFICATION INFO
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following and any other duties assigned by the Chief Credit Officer and/or Credit Manager: • Monthly, update the Bank's loan database with current information on loan balances, loan and geo codes, risk rating components and classified/criticized assets strategy reports. • Prepare and package monthly reports for Board Credit Committee and Risk & Compliance Committee (credit section). • Maintain a list of loans that qualify for CRA purposes. Prepare respective reports for CRA committee. • Order appraisals, maintain records of appraisals, appraisal reviews and appraisal concentration reports. • Gather and maintains vendor information. • Maintain log of all approved credits. • Prepare credit references (VOD and VOM). • Process requests from Officers and analyst to obtain credit reports from Equifax, D&B, Lexis Nexis and others, and process 4506-T Forms. • Provide secretarial support for the Credit Department; compose and distribute letters, memos and other correspondence as requested, schedule meetings and seminars, makes appointments, and prepare expense reports. • As Secretary of the Credit Committee prepare meetings' minutes and keeps them from properly filed • Prepare Charge Off Reports. • Report problem loans to collection agency. • Maintain in proper order all documentation relating to Regulation O and W. • Maintain extensive communication with Credit Managers and Chief Credit Officer. • Provide necessary support to Chief Credit Officer, lenders and credit analysts. • Assist to the different Credit Committees at Board and Management level.
SUPERVISORY RESPONSIBILITIES
No supervisory duties.
BSA COMPLIANCE
Each employee is required to uphold the Bank's compliance with the Bank Secrecy Act and Anti-Money Laundering policies and procedures. Specific functions in the Bank take into consideration the awareness of unusual or suspicious situations that are relevant to the banking division to which I will be assigned.
COMPETENCIES
- Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Uses reason even when dealing with emotional topics.
- Interpersonal Skills - Focuses on solving conflict, not blaming, Maintains confidentiality; Listens to others without interrupting; Keeps emotions under control.
- Oral Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification.
- Written Communication - Writes clearly and informatively; Presents numerical data effectively.
- Diversity - Demonstrates knowledge of EEO policy; Shows respect and sensitivity for cultural differences; Educates others on the value of diversity; Promotes a harassment-free environment.
- Ethics: Treats people with respect; Inspires the trust of others; Works with integrity and ethically; Upholds organizational values.
- Teamwork - Balances team and individual responsibilities; Exhibits objectivity and openness to others' views; Contributes to building a positive team spirit;
- Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time.
- Cost Consciousness - Works within approved budget; Conserves organizational resources.
- Judgment - Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions.
- Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position.
- Dependability - Follows instructions, responds to management direction; Commits to long hours of work when necessary to reach goals.
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of
the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
EDUCATION and/or EXPERIENCE • AA in business administration or equivalent; and at least 3 years related experience and/or training; or equivalent combination of education and experience • Proficient in verbal and written communication skills • Proficient Excel, Word, Power Point, Access and other applications in order to create reports, charts, spreadsheets and presentations for statistical reporting purposes. • Bilingual (English/Spanish) is highly desirable. • Must be accurate and detailed oriented. • Work involves reading and concentration via typing and proofreading activities. • Good communication skills both verbal/written
OTHER SKILLS AND ABILIITIES • Strong analytical skills • Excellent written and verbal communication skills. Fluency in English and Spanish (reading, written & spoken). • Demonstrated ability to resolve complicated issues as they arise • Proven organizational skills and demonstrated ability to prioritize and multi-task • Able to conduct research projects with minimal supervision/guidance. • Able to identify and resolve problems in a timely manner • Able to exhibit objectivity and openness to others' view; welcome feedback, and contribute to building a positive team. • Good interpersonal, communications and organizational skills • Able to work on diversified projects while meeting deadlines. • Work with integrity and ethically upholding organizational values • Able to plan and organize work schedules, and task activities. • Any other duties/task assigned as needed
LANGUAGE SKILLS
Ability to read, analyze, and interpret general business periodicals, instructions, correspondence, memos, technical procedures, or governmental regulations; able to write reports, business correspondence.
Able to effectively present information and respond to questions from groups of managers, employees and as well as outside contacts.
ENGLISH LANGUAGE
Ability to speak, understand, read and write English at an advanced level.
FOREIGN LANGUAGE
Ability to speak, understand, read and write Spanish is desirable but not required.
MATHEMATICAL SKILLS
Ability to add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions, and decimals, compute rate, ratio and percent.
COMPUTER SKILLS
Strong computer skills including extensive experience with MS Office applications including Word, Excel, & PowerPoint
WORK ENVIRONMENT
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Work involves reading and concentration via typing and proofreading activities The noise level in the work environment is usually moderate.
PHYSICAL DEMANDS
While performing the duties of this Job, the employee is regularly required to sit and use hands to finger, handle, or feel. The employee is frequently required to stand; walk; reach with hands and arms and talk or hear. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision and ability to adjust focus.
The physical demands described above are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.