• Business Loan Assistant- Full Time

    Posted: 11/17/2022

    THIS POSITION IS FULL TIME

    If you possess competencies that fit our Core Values of being: G*enuine, Honest, Sincere, Fair, Collaborative and Understanding – then join the team at GHS Federal Credit Union* who has been proudly serving its membership since 1940. For over 80 years, we have provided members with high quality products and service to fulfill our core mission of "people helping people".

    Overview:

    Assists in the preparation of underwriting and annual review files. Supports the Lending and Compliance Departments by conducting administrative duties including the processing of documentation forms, filing and preparation of loan files for review.

    Essential Functions and Responsibilities:

    Efforts should focus on achievement of personal, departmental and business goals as announced by CEO.

    Provide support assistance to the Business Development Manager in the generation, processing and maintenance for commercial loans.

    Maintain database of commercial loans and assist with completing annual reviews.

    Provide support in the underwriting of business loan requests.

    Maintain annual review schedule and processes for commercial loans.

    Produce loan files and other documents related to commercial lending to outside auditors and regulatory examiners. Assist with resolving loan documentation related issues and ensure loan processes and documents meet compliance standards.

    Review closed commercial loans to ensure complete and accurate files. Request clarification or additional documentation when necessary.

    Perform duties to support Lending Services, including filing of liens, perfecting titles, and recording mortgages.

    Perform other duties as assigned.

    Performance Measurement:

    Performance will be measured on tangible measurable objectives noted above and as assigned as well as demonstrated skills and behaviors.

    • Achievement of personal, team and business goals as established.
    • Adherence and compliance with credit union procedures and policies. This includes but is not limited to content of Internal Controls Policy, Bank Secrecy Act, OFAC and other credit union, state and federal procedures and regulations.
    • Review loan files for completeness within five (5) business days of receipt.
    • Goal is to have loan files 100% complete and accurate with no audit or exam findings.
    • Lien releases sent to member within three (3) business days of loan satisfaction.
    • Response to member, vendor and teammate requests within one (1) business day. If unable to produce requested information, advise of anticipated timeframe.
    • Goal of zero (0) accountable member complaints.
    • Maintain a professional work environment and business like appearance.

    Knowledge, Skills and Abilities:

    Experience: Prior administrative experience in a support role is required. Prior financial service experience preferred. Prior compliance, audit or lending experience also desired.

    Education: A high school education or GED is required and banking/credit union experience is preferred. An Associate Degree or higher is preferred.

    Interpersonal: This position involves contact with others inside and outside the organization and requires

    professionalism, courtesy, finesse, tact and diplomacy. This position requires the ability to engage and influence others by building rapport that lead to lasting business relationships. Must demonstrate clear verbal and written communication.

    Other Skills: Computer skills include Internet research, typing, data entry and knowledge of Microsoft Office Suite; strong EXCEL skills desired.

    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 position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

    While performing the duties of the position, the employee is regularly required to stand or sit, use hands and arms to reach, and hands and fingers to feel. The employee is regularly required to talk, hear and communicate with others. The employee periodically stands, walk, reach, stoop, kneel, crouch or squat and use the stairs.

    Employees must regularly lift and/or move up to 10 pounds. Periodically lift and/or move 20 lbs. Specific vision abilities required by this job include close vision, color vision, peripheral vision, depth perception and the ability to adjust focus.

    Work Environment: Employees are required to contribute to positive work environment and demonstrate the

    credit union brand of “The Relationship of a Lifetime” by demonstrating GHS Service Standards of customer focus with positivity, personal ownership and accountability, clear and positive communication and responsiveness. Collaboration, consistency, and respect, trust and demonstration of integrity are some of the professional behaviors regularly required.

    This job description is intended to be a guide and may not be all encompassing or may amend/modify as business needs change.

    GHS is an equal opportunity employer. At GHS, we are committed to providing an environment of mutual respect where equal employment opportunities are available to all applicants and teammates without regard to race, color, religion, sex, pregnancy (including childbirth, lactation and related medical conditions), national origin, age, physical and mental disability, marital status, sexual orientation, gender identity, gender expression, genetic information (including characteristics and testing), military and veteran status, and any other characteristic protected by applicable law. GHS believes that diversity and inclusion among our teammates is critical to our success and we seek to recruit, develop and retain the most talented people from a diverse candidate pool.

    Job Type: Full-time

    Pay: From $15.50 per hour

    Benefits:

    • 401(k)
    • 401(k) matching
    • Dental insurance
    • Employee assistance program
    • Flexible spending account
    • Health insurance
    • Health savings account
    • Life insurance
    • Paid time off
    • Parental leave
    • Tuition reimbursement
    • Vision insurance

    Physical setting:

    • Office

    Schedule:

    • 8 hour shift
    • Day shift
    • Monday to Friday

    COVID-19 considerations:
    As an essential business, GHS complies with all Department of Health Personal Protective Equipment safety guidelines related to COVID 19. The use of Personal Protective Equipment and Social Distancing is mandatory during working hours.

    Education:

    • High school or equivalent (Preferred)

    Experience:

    • Administrative Support: 1 year (Preferred)
    • Financial Service: 1 year (Preferred)
    • Customer service: 1 year (Preferred)

    Work Location: One location