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Handling the entire documentation workflow on commercial loans (including real estate) from initial disclosure through closing and correspondence with all parties involved. Additionally, responsible for the preparation of other commercial loan documents, payment extensions, and loan renewal/modifications agreement. Will also be responsible for the booking of loans into the core system (Jack Henry) after the loan documents have been executed.
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Review loan presentation for proper approval and completion, including supporting documentation.
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Determine borrower and guarantor legal classification and review appropriate entity documents.
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Ensure all pre-funding requirements and exception waivers are obtained, ensuring compliance with any pre-funding requirements.
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Ensure compliance with policies and procedures related to loan documents as detailed in the Loan Policy.
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Generate appropriate disclosures as required by law.
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Coordination of all required documentation preparation, data gathering and customer contact workflow through closing, including title company and attorney correspondence. There is no direct borrower contact.
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Provide a high level of lender branch service, timely review and competitive turnaround times for all loan closings.
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Perform other duties as requested by management.
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High school education or equivalent is required.
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At least one year of work experience in the banking or credit union industry.
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Excellent interpersonal and communications skills are required.
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Must demonstrate a high level of attention to detail, inductive reasoning and high accuracy using computer systems to enter large volume of complex information is required.
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Able to function effectively at a high volume, in a time sensitive environment is required.
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Must be self-educating and able to work with little direct supervision is required.
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Extensive complex Commercial and Commercial RE documentation and closeout workflow experience, including interim construction and land development is preferred.
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Previous commercial loan experience is also preferred.
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Experience in using automated document preparation software is preferred.
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Provide loan research for lenders when called upon.
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Balances various accounts.
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Keying daily work received from the branches
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A working knowledge of loan documents and disclosures insuring prior to loan closing that loan documentation is accurately prepared. Additionally, order title work and appraisals.
- Proficiency in Excel and Word.
- Knowledge of operating system Jack Henry is a plus.
- Ability to communicate clearly in both written and oral forms.
- Must be highly motivated, responsible and able to work under pressure.
- Attention to detail and accuracy is essential.
- Must possess good interpersonal skills and be able to communicate effectively.
- Must be able to work within a team environment.
- Above average computer skill dealing with Microsoft suite of products.
- Regular and punctual attendance is required.
Position requires extended periods of sitting and computer use. Such duties as listed in this description are not meant to be all-inclusive and the employer reserves the right to add, alter or delete duties as fit, with or without notice.
Provides a friendly atmosphere to make the customer feel at ease during the interview process for opening of new deposit accounts, completing consumer loan applications, and processing cash/deposit transactions. Provides information on all deposit accounts and consumer loan products and to cross-sell the Bank’s products.
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Greet customers promptly upon their arrival in the bank lobby. Conduct professional interactions with the customers throughout all transaction processes.
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Open new accounts (checking, savings, certificates of deposit and IRAs).
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Order checks for customers and produce temporary checks.
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Issue ATM Debit cards.
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Open safe deposit boxes and provide access to boxes for customers.
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Promptly answer phones.
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Provide customer service, answering questions about their accounts and providing research as requested.
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Helping customers with Online Banking and Mobile Banking
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Process deposits, cash checks, and change orders for customers.
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Process night drop deposits and mail deposits. Maintain records for audit.
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Sell Cashier’s Checks, Money Orders and Gift Cards.
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Balance Cash Vault daily.
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Redeem Savings Bonds.
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Prepare Compliance Audits as required for Internal Audits.
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New accounts input, (Loans, DDA, and Savings).
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Process stop payment request and input on system.
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Process wire transfer request and prepare Wire Transfer form for Wire Department.
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Customer service-answer phones, research and balancing customer accounts.
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Balance and Supply ATM weekly.
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High School diploma or equivalent.
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Previous Teller or Personal Banker experience preferred.
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Excellent organizational skills required.
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Ability to communicate in a professional manner and quickly assess and prioritize customer needs when assisting customers who may be are upset or angry.
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Excellent verbal, written and interpersonal communication skills required; including keen ability to communicate genuinely conveying respect, dignity and cheerfulness with all levels of staffing.
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Ability to coordinate with employees across department lines.
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Ability to use sound judgment when routing calls and providing information to callers.
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Regular and punctual attendance is required.
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Knowledge and use of computers and 10-key machines.
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Ability to handle confidential information in a professional manner.
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Completing assigned tasks within the deadline provided.
Qualified applicants must be able to work in a fast- paced environment and exhibit sound judgment in making decisions related to the overall health of the bank. Position requires extended periods of standing, sitting, and computer use. In addition, travel between branches and to customers and events may be required.
Carry out the duties and responsibilities of a paying and receiving teller, performing each transaction or service in an efficient manner while maintaining a pleasant and courteous demeanor to promote quality relationships and customer satisfaction.
- Greet customers promptly upon their arrival in the bank lobby. Conduct congenial professional interpersonal interactions with the customers throughout all transaction processes.
- Take deposits, cash checks, and do change orders for customers.
- Work night drop deposits and mail deposits and send receipt to customer.
- Sell Cashier’s Checks, Money Orders, and Travelers checks. Balance bank checks weekly.
- Balance Cash Vault and ATM on a daily basis.
- Order savings bonds for customers and also cash them in.
- Remit customer’s Tax Deposits on a daily basis.
- New accounts input, (Loans, DDA, and Savings).
- Take stop payment information and input on system.
- Take wire transfer information and prepare Wire Transfer form for Wire Department.
- Customer service-answer phones, research and balancing customer accounts.
- Prepare CTR’s as needed for deposits and withdrawals of currency over $10,000.00.
- Prepare Compliance Audits as required by Internal Auditor.
- Attend Bank training and Seminars as required.
- Other duties as assigned by Supervisor.
- A High School diploma or equivalent.
- Teller experience and cash handling preferred but not required.
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Proficiency in Excel and Word
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Working Knowledge of financial statement requirements
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Working knowledge of general loan documentation requirements for all loan types
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Ability to communicate clearly in both written and oral forms
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Must be highly motivated, responsible and able to work under pressure
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Must be able to meet deadlines for time sensitive documents and work with a sense of urgency
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Regular and punctual attendance is required
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Individual should possess good interpersonal skills
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Individual should be able to work within a team environment
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Ability to communicate effectively
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Ability to handle confidential information in a professional manner
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Ability to respond in a courteous and helpful manner to customers who are angry or upset
Must be able to work under pressure and exhibit good judgment in making decisions pertaining to the overall health of the bank and its employees. Position requires extended periods of standing, some light lifting and computer use. In addition, travel between bank branches and to customers and events is required.
Physical Demands. The physical demands described here 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.
While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is frequently required to stand. The employee is occasionally required to walk; climb or balance and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 20 pounds. Specific vision abilities required by this job include close vision, distance vision, peripheral vision, depth perception and ability to adjust focus.
Provide direct assistance to the Branch Manager in both lending and management capacities. Provide direct assistance to all Lending Staff within the branch office. Provide a friendly atmosphere to make the customer feel at ease during the interview, documentation gathering and closing process for loans of all types (e.g. consumer, commercial and real estate, etc.).
- Conduct initial and continuing customer contact for all types of loan activity within the branch office.
- Provide loan underwriting administrative support (e.g. assisting in the preparation of Loan Presentation memorandums, pulling credit, UCC searches and OFAC/CIP reports).
- Request flood certificates and order appraisals/evaluations and reviews as needed for real estate secured loans.
- Coordinate the production of early disclosures and loan closing documents with the Centralized Loan Processing department, bank attorneys and lenders.
- Coordinate customer appointments, in-branch loan signings and title company closings.
- Scan and index loan documents and other customer information, create and maintain customer files, and ensure original documents are securely filed in appropriate file room cabinets.
- Process new loans and construction loan draw requests for funding, order inspections per bank procedures and prepare general ledger entries, customer deposits and wire transfer requests for disbursement of funds.
- Work with the branch lending staff and Centralized Loan Processing department to resolve customer and loan documentation exceptions.
- Provide information on all deposit accounts and consumer loan products that are offered to facilitate cross-selling of the bank’s products.
- Other duties as assigned by management.
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Proficiency in Excel and Word
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Working Knowledge of financial statement requirements
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Working knowledge of general loan documentation requirements for all loan types
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Ability to communicate clearly in both written and oral forms
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Must be highly motivated, responsible and able to work under pressure
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Must be able to meet deadlines for time sensitive documents and work with a sense of urgency
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Regular and punctual attendance is required
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Individual should possess good interpersonal skills
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Individual should be able to work within a team environment
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Ability to communicate effectively
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Ability to handle confidential information in a professional manner
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Ability to respond in a courteous and helpful manner to customers who are angry or upset
Ready to build your future with Sonora Bank? Send your resume and cover letter to hr@sonorabank.com.

