Job Purpose:

Perform a variety of duties to meet the commercial banking needs of small-business customers by effectively and efficiently managing a commercial portfolio by providing underwriting analysis on new or existing relationships.  The Relationship Manager develops business within a portfolio and acquires new commercial customer relationships.

Essential Duties:

•    Manage a portfolio of assigned commercial relationships.

•    Prepare and present new loan approval requests, annual reviews, modifications and extensions to the appropriate authority.

•    Performs detailed credit analysis with assistance from credit division.

•    Maintains timely financial information on all borrower relationships.

•    Respond to customer information requests or inquiries involving business loans.

•    Conducts regular on site calls on all customers within the assigned portfolios; new business development from existing customer and prospects. 

•    Oversees and ensures accuracy with the loan process including application, completeness of loan package, loan closing and timely process of funding.

•    Maintains a thorough knowledge of the Bank's products and services in order to recommend products based on the customer's needs.

•    Maintains compliance of all applicable laws, regulations and guidelines.

•    Actively participates in local community events.

•    Performs other related duties and assignments as required.

Please note: This position works approximately 20 hours every other week.

Job Purpose:

Delivers messages, documents, packages and other items between offices within the

Organization.

Essential Duties:

•    Drive Bank provided vehicle to reach destination to deliver materials and perform routine maintenance of the vehicle.

•    Follow the most efficient route in prescribed time period.

•    Collect outgoing and incoming mail.

•    Load and unload items.

•    Sort Items for to be delivered according to the delivery route.

•    Monitor the vehicle for routine maintenance.

•    Performs other related duties and assignments as required.

Experience and Skill Requirements:

•    Requires valid Driver’s License.

•    Minimum one year transportation experience preferred.

Process and maintain first mortgage files as well as consumer loans files as needed.  Responsible for daily MortgageBot functions and HMDA review. 

Process mortgage applications prior to closing, including:  Updating files in Encompass; Create and send  initial disclosures; Request appraisals from Loan Operations, title commitments, flood determinations, tax transcripts, PMI insurance, and payoff letters; Send re-disclosure packages; Lock loan rates with investors; Verify employment; Distribute appraisals and appraisal checks; Create construction loan advance forms.

Process mortgage applications following closing, including:  Create loan worksheet, FASB & HMDA sheets, document tracking, and new mortgage loan file with signed documents; Enter new loan into Laser Pro; Upload new mortgage into OSI; Fund new mortgage by wire transfer or deposit; Scan documents into E Cabinet and Investor; Send required signed documents to investor; Track and clear final loan documents; Coordinate and process construction loan advances.

Process consumer loans including:  Prepare initial file for consumer loans; Maintain consumer processing follow up chart; Order closing documents from Loan Operations.

Update daily MortgageBot interest rates.

Prepare approved loans for loan closing, including completing worksheet, calculating and verifying payoffs, and requesting loan documents.

Should have an understanding of mortgage and consumer loan regulations, specifically RESPA, Regulation Z, Regulation B, and HMDA. 

Experience with Fannie Mae processing preferrend.