Commercial Ag Loan Assistant

F&M Bank•Delta, OH

About The Position

At F&M, the Commercial Ag Loan Assistant obtains and monitors loan documents while establishing and nurturing relationships with customers. The role handles commercial and agricultural loan closings with care and attention to detail, supports loan processes and customer service, and helps maintain the bank’s reputation as a trusted community and national bank. The assistant works with Portfolio Managers, Commercial Ag Bankers, customers, bank personnel, and, when needed, title companies and clients during loan processing and closing.

Requirements

High school diploma.
Two years of related experience and/or training in commercial/agricultural loan documentation, or an equivalent combination of education and experience.
Computer experience.
Valid driver’s license.
Trustworthiness, precision, attention to detail, professionalism, and effective customer service.
Ability to handle multiple loan files and coordinate with a diverse group of bank personnel.
Ability to follow bank policies, procedures, and applicable regulatory requirements.

Nice To Haves

Notary Public Commission; it can be obtained on the job.

Responsibilities

Ensure loan files contain accurate documents, signatures, dates, and other relevant information, and that these are properly recorded.
Assist Portfolio Managers and Commercial Ag Bankers.
Assist customers with questions concerning their accounts.
Manage multiple loan files concurrently in accordance with company and regulatory guidelines.
Audit customer profiles for tax information, financial statements, current driver’s licenses, operating agreements, and insurance.
Coordinate commercial and agricultural loan application requirements with bank personnel at multiple organizational levels through document delivery.
Review documentation for completeness and accuracy.
Enter data using computer software, primarily Microsoft Word and Microsoft Excel.
Organize financial information used to evaluate loan applicants’ creditworthiness.
Save financial and other customer-related documentation in the appropriate drive and ensure documentation is imaged in Director.
Process new and renewal notes.
Follow loan policy and compliance regulations.
Complete Customer Identification Program (CIP) and related identity-verification documentation for borrowers and guarantors.
Prepare loan disbursements, payments, and line-of-credit draws, and process wire transfers and account transfers for commercial and agricultural customers.
Schedule loan closings with the processing team and, when required, title companies.
Correspond with customers by phone, in writing, or electronically as needed.
Comply with and satisfactorily pass tests covering bank policies and regulations applicable to the position.
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 bank policies, procedures, and applicable federal and state regulatory requirements, including BSA, CTR, AML, OFAC, the USA PATRIOT Act, customer identification and due diligence, and reporting suspicious activity to the BSA Department.
Maintain job knowledge and technical skills, manage workload and priorities, use effective work procedures, manage time and information flow, and adhere to attendance and break policies.