Commercial Loan Coordinator

If you like to work with people in a family atmosphere, enjoy great benefits and provide unequaled personal service to every customer, consider a career with Bell Bank.

Company Information:

Bell Bank was founded in 1966 and headquartered in Fargo, North Dakota. It is the largest family-and employee-owned bank in the upper Midwest, and one of the largest in the nation, with assets of more than $10 billion. Bell Bank has full-service banking locations in North Dakota, Minnesota and Arizona. Bell has empowered more than $26 million in charitable giving through its unique Pay It Forward initiative, through which every employee chooses each year how to help individuals, families and organizations in need.

Bell Bank has been recognized as a top workplace by American Banker, Forbes and Fortune.

If you want to work for an established, growing, forward-looking organization with world-class employees, this is the place for you.Let Bell Bank be your destination workplace.

Bell's Values

As stewards, dedicated to the growth and reputation of this independently owned organization, we are committed to:

• Promoting and sustaining our family atmosphere.
• Providing unequaled personal service to each and every customer.
• “Paying it forward” by giving back to the communities we serve.

Our Bottom Line

Happy Employees! Happy Customers!

Job Summary

Primary Duties:

Loan Documentation

• Receive, track and process a high volume of both simple and complex loans for commercial bankers.
• Coordinate with customer, commercial banker, credit staff, legal staff, other internal departments and external parties to ensure loan documents are accurate, properly executed and recorded. Recognize discrepancies and noncompliance with polices and procedures and collaborate with appropriate parties to resolve by requesting clarification and supporting documentation to resolve.
• Review loan files to identify necessary information needed to process loan and modification requests, such as:
  • Financial statements
  • Tax returns
  • Business/Entity documentation
  • Credit reports/ID cross checks
  • UCC lien searches
  • Tax liens
  • Insurance coverage (property, liability, workers' comp, flood)
  • Appraisals/evaluations
  • Surveys
  • Environmental due diligence (questionnaires, reports and Phase I)
  • Flood hazard determinations
  • Preliminary/Final title reports (title insurance commitments and policies; title opinions and O&E's, Abstract updates)
  • Judgements
  • Bankruptcy searches
• Work closely with internal and external legal counsel to ensure loan documentation is complete and in compliance with the credit approval, loan policy and within the guidelines of the Loan Documentation Service Level Agreement
• Review loan/file documentation to ensure accuracy and adherence to Bell Bank loan policy and other relevant policies/procedures prior to loan closing.
• Provide appropriate and complete documentation and disclosures at the time of closing.
• Disburse loan funds accurately, timely and in the appropriate manner
• Prepare and submit accurate and complete files to Loan Operations for booking in accordance with the Post-Closing Workflow Service Level Agreement.
• Provide accurate and complete documentation to Correspondent Banking Department for all sold loans.
• Work with other departments to ensure customer needs are met for additional services, such as Business Online Banking, Deposit Accounts, Sweeps, etc.

Establishing, Monitoring and Maintaining Loan Portfolio

• Set up and maintain customer records on core system for all new and existing relationships.
• Forward billings for third party services to Loan Operations in a timely manner
• Assist with the ongoing maintenance and monitoring of loan files for complete and accurate documentation.
• Assist with the ongoing tracking of complete and accurate customer financial information.
• Ensure that all loan documents and financial documentation are imaged.
• Notify and/or forward to the Correspondent Banking Department all documentation that is received for sold loans.
• Work with the Construction Loan Administrator and/or the Banker to process all disbursements via the appropriate channel.

Customer Service

• Provide outstanding customer service while assisting customers and Bankers throughout the loan request and closing process.
• Assist with Commercial Lending communications, including responding to incoming telephone calls, electronic mail, and voice mail.
• Work with the appropriate department to research and resolve questionable matters for clients.
• Provide support and assistance, and other related duties as assigned, in support of the daily functions of the Commercial Lending team.
• Know by name and face as many customers and employees as possible, calling them by name as often as possible.
• Know and practice LOCBUTN, our Golden Rules and Bell Bank Customer Service Standards.
• Know, understand and live the company values and bottom line.

Other Expectations

• Serve as a notary public.
• Participate in internal and external training to maintain knowledge of Bank products, credit activities and regulations, and other appropriate training as required.
• Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable State and Federal laws and regulations.
• All employees are responsible for information security including compliance with policies and standards which protect sensitive information.
• Perform other duties as assigned.

Job Skills Required:

• Excellent analytical, decision-making and effective problem resolution skills.
• Proven ability to work productively and efficiently without direct supervision.
• Demonstrated ability to manage and multi-task in a high-volume work flow with multiple priorities, interruptions and possible short-term deadlines.
• Ability to be flexible in a dynamic and challenging environment characterized by sometimes changing priorities and react to those changes productively.
• Excellent organizational and time management skills with high attention to detail and accuracy.
• Ability to work well in a collaborative, cohesive and cooperative team environment.
• Ability to communicate effectively and professionally with third party vendors, co-workers and customers.
• Competent in the use of personal computer systems, internet applications and electronic mail, and various windows based software applications.
• Abide by Bell Bank employee manual, including, but not limited to, dress code, professional appearance and professional conduct.
• Demonstrated acceptable personal financial responsibility.

Job Skills Preferred:

• Commercial Loan documentation and/or loan coordinator experience in a banking environment preferred.

Education/Requirements

• High school diploma or equivalent.

Bell Bank provides competitive compensation and an excellent benefits package.

Bell Bank

Equal Opportunity Employer