Job Description

Primary Purpose:

Assist the loan officers in the day-to-day management and monitoring of their loan portfolio to include loan underwriting for new and existing members as well as support with covenant and financial tracking to include some member interaction. Perform various other member service tasks and assignments as required.

Essential Responsibilities:

• Assist the loan officers with the loan approval process by obtaining and analyzing financials, preparing loan summaries and packages for approval.
• Monitor the maturing loan report and assist loan officer and administrative officer in underwriting loans for renewal. Complete quarterly and annual reviews of credits if necessary.
• Complete quarterly Problem Asset Reports for the loan officer's portfolio for review and approval and assist with managing credit monitoring items.
• Learn about each of the Bank's products and services as well affiliate companies to look for additional cross selling opportunities as well as assist the loan officer and administrative officer when needed. This will include traditional banking functions such as opening new accounts, transferring funds from accounts, etc. as well as following up with affiliate referrals.
• Work on special projects as requested to help improve efficiencies in the overall loan portfolio management of the region.
• Work along with and independently of the officers to understand closing requirements for all loans as well as help clear exceptions as needed.
• Proactively build strong and effective partnerships with all business partners.
• Promote TowneBank within the community by serving on outside boards and attending TowneBank sponsored events.
• Obeys all applicable federal laws, rules, and regulations relating to Anti-Money Laundering (AML) including the Bank Secrecy Act (BSA)

Minimum Required Skills & Competencies:

• Excellent member service skills
• Excellent communication skills and the ability to interact professionally with internal and external members
• Familiar with effective lending and underwriting practices
• Experience with analyzing financial statements and underwriting commercial credit
• Ability to work with minimum supervision
• Ability to work well with various internal departments to achieve team goals and objectives
• Knowledge of banking industry policies and procedures
• Computer skills (Word and Excel)

Desired Skills & Competencies:

• College degree in Business, Finance or Accounting
• Experience with banking to include small business, credit operations and/or credit underwriting skills

Physical Requirements:

• Express or exchange ideas by means of the spoken word via email and verbally.
• Exert up to 10 pounds of force occasionally, use your arms and legs, and sit most of the time.
• Have close visual acuity to perform activities such as analyzing data, viewing a computer terminal, reading, and preparing documentation.
• Not substantially exposed to adverse environmental conditions.
• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential responsibilities of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential responsibilities .

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

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