DescriptionLaunch Your Career with Valley Credit UnionAre you searching for more than just a job? At Valley Credit Union, we offer a dynamic work environment where you can grow your career and enjoy excellent company benefits. Our strong culture, driven by our Cultural Beliefs, supports and empowers every team member. We believe it truly matters where you belong, and we invite you to be a part of our vibrant team. Join us and make a difference!VISION STATEMENTBuilding relationships with people in our communities.MISSION STATEMENTUniting to achieve your dreams.Position SummaryThe Commercial Loan Processor will assist the commercial lenders. This position is accountable for loan processing, varied secretarial and clerical duties, including, but not limited to administrative support to the Commercial Lending Department in professional loan documentation, processing support in loan files, and construction draw processing.RequirementsESSENTIAL DUTIESPerform all duties as needed, including, but not limited to, verify & analyze income, credit report, flood certification pulls, title commitment ordering and reviewing, insurance tracking, order and review appraisals, Brokers Opinion of Value and title insurance and policies. Assemble loan files, submit, update conditions (maintain electronic file copies, process loan documents, maintain tickler lists and book loans on core systems.Follow up and track final title policies for recorded documents.File and track UCC and title lien filings.Prepare and track loan perfection documentation.Financial tracking for commercial files to remain current for annual review and to remain in compliance with member business loan agreements.Review closed loans and build closed loan folders for the Commercial department.Track and mail commercial paid loans to members.Contact customers directly in a tactful and professional manner to clear documentation exceptions, obtain additional information as needed, and assist with collecting delinquent loans. Maintains loan tracking sheet.Understand and comply with all lending policies and procedures for commercial, construction, and consumer loans.Track exceptions within the Commercial Department and report exceptions to SVP of Commercial Services monthly.Maintain a working knowledge of written policies and procedures applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.Maintain customer profiles and identifies opportunities to offer additional products and services to meet their financial needs.Perform any additional duties as assigned.KNOWLEDGE, SKILLS, and ABILITIESAbility to perform job functions independently or with limited supervision and work effectively either on own or as part of a team.Knowledge of word processing, spreadsheet, email software and use of the Internet. Must be proficient in Microsoft Office programs including Word and Excel.Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to calculate interest, commissions, discounts, proportions, and percentages and to compute rate, ratio and percent.Ability to demonstrate high levels of accuracy and attention to detail.Ability to deal calmly and professionally with diverse personalities and cultures at various levels within and outside of the organization.Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedures.Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.Ability to communicate with others inside and/or outside the organization, generally regarding routine matters for the purpose of giving and obtaining information, as well as advising or referring.Ability to establish priorities, set goals and meet deadlines in an accurate and efficient manner. Ability to effectively handle multiple, simultaneous, and changing priorities.Ability to exercise courtesy, tact, and diplomacy. Ability to demonstrate highest levels of customer service and discretion when dealing with the public.Ability to exercise the highest level of discretion (internally and externally) with confidential matters.SummaryRESPONSIBILITIES & EXPECTATIONSDemonstrate and consistently follow Valley's Cultural Beliefs:
Own It – accountable for work / achieving goals
Know It – knowledgeable of products and services to help members
Find a Way to Say YES – focus on what we can do
Come Together – work well with others / share knowledge
Community Servers – positive ambassador
Relationship Matters – develop and maintain positive relationships.
Know and understand the mission and vision of the Credit Union. Strictly adhere to the Credit Union's policy of confidentiality, security, professional conduct, and dress.Maintain a professional image when working with members and coworkers.Maintain current knowledge of all rules and regulations and perform at all times in compliance with laws and regulations relating to the position and Credit Union.Develop a thorough knowledge of Valley’s products and services in order to explain and promote them to members and nonmembers based on their needs.Maintain absolute integrity and high sense of ethical behavior, both on and off the job.Serve as a representative of the Credit Union by participating in community and civic functions and professional organizations.SERVICE STANDARDSCreate a positive and personal experience at each touch point.
Greet all members with a genuine smile.
Provide my member with fast and efficient service.
Be professional in all aspects of my service.
Ask my member what else I can do for them.
Stand up to greet my member and walk them into my office if applicable.
Shake my members hand, when appropriate.
Thank my member by name and walk them to the door, when appropriate.
Be knowledgeable so that I may provide solutions for members that exceed their expectations.
Learn our product and services so that I can educate our members.
Listen to the member and suggest products that would most benefit them.
Be a positive co-worker.
Help my co-workers whenever I can.
Be positive and provide encouragement.
QUALIFICATIONSTo perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.SUPERVISORY RESPONSIBILITIESThis position does not have any supervisory responsibilities.EDUCATION and/or EXPERIENCEAssociate's degree (AA) or equivalent from two-year college or technical school; minimum one-year related experience and/or training or equivalent combination of education and experience.PHYSICAL DEMANDSThe physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.While performing the duties of this job, the employee is regularly required to sit and/or stand; climb or balance; and stoop, kneel, crouch or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus. Able to routinely perform work on computer for an average of 6-8 hours per day, as necessary.
