Commercial Ag Loan Assistant

F&M Bank•Delta, OH

About The Position

At F&M, Commercial Ag Loan Assistants do more than obtain and monitor loan documents; they establish and nurture lasting relationships with valued customers. They handle loan closings with care and attention to detail and use experience with Commercial & Ag banking loan processes and customer service to support the bank’s reputation as a trusted institution. The role helps ensure loan files are accurate and complete, supports Portfolio Managers and Commercial Ag Bankers, responds to customer questions, and manages multiple loan files in accordance with company and regulatory guidelines. The position requires a high school diploma and two years of related experience and/or training with Commercial Ag loan documentation, or an equivalent combination of education and experience, along with computer experience. A valid driver’s license is required. A Notary Public Commission can be obtained on the job. The role is non-exempt and hourly. It includes responsibilities for following bank policies, procedures, and regulatory requirements, including BSA, AML, OFAC, the USA PATRIOT Act, customer identification and due diligence, and reporting suspicious activity. Employees are expected to follow attendance and break policies and communicate with their supervisor about anticipated time off or break-time changes.

Requirements

High school diploma.
Two years of related experience and/or training with Commercial Ag loan documentation, or an equivalent combination of education and experience.
Computer experience.
Valid driver’s license.
Notary Public Commission; may be obtained on the job.
Trustworthiness and precision.
Experience with Commercial & Ag banking loan processes and customer service.

Responsibilities

Audit customer profiles for taxes, financial statements, current driver’s licenses, operating agreements, and insurance.
Coordinate Commercial & Ag application requirements and document delivery with bank personnel at multiple organizational levels.
Review loan documentation for completeness and accuracy.
Enter data using computer software, primarily MS Word and MS Excel.
Organize financial information used to evaluate loan applicants’ creditworthiness; save financial and customer-related documents in the appropriate drive and ensure documents are imaged in Director.
Process new and renewal notes.
Collect and properly record accurate documents, signatures, dates, and other relevant loan-file data.
Adhere to loan policy and compliance regulations.
Complete CIP and related identity-verification documentation for borrowers and guarantors.
Prepare loan disbursements, payments, draws on lines of credit, wire transfers, and account transfers for Commercial & Ag customers.
Schedule loan closings with the processing team and, when required, title companies.
Communicate with customers by phone, in writing, or electronically as needed.
Comply with and satisfactorily pass tests on applicable bank policies and regulations.
Follow up on and maintain pending and exception lists for loan files.
Complete credit references.
Assist the Commercial & Ag Loan Assistant Supervisor with special projects as needed.
Close loans for Commercial & Ag Bankers according to their instructions as needed.
Meet with clients and participate in business development calls as needed.
Perform other duties as assigned.
Follow applicable bank policies, procedures, and regulatory requirements, including BSA, AML, OFAC, the USA PATRIOT Act, customer identification and due diligence, accurate CTR completion when applicable, and reporting suspicious activity to the BSA Department.
Adhere to attendance and break policies and communicate anticipated time off or break-time modifications to the supervisor.