LOAN SERVICING REPRESENTATIVE I

LOAN SERVICING REPRESENTATIVE I

SUMMARY

This position is responsible for performing general loan servicing functions.  Deviations from normal procedures and/or questions are referred to the supervisor.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

Update loan collateral tracking information; respond to authorized requests for loan information; communicate with loan staff in all regions.

Disburse and upload new loans and renewals; prepare and scan loan documents.

Review and buy indirect dealer contracts.

Process loan payments and prepare checks.  

Fold, stuff, and mail letters; may create letters, as assigned.

File loan documentation, such as deeds of trust, notice of liens, UCCs, etc.

Review paid loan reports and release collateral as needed.

Answer telephone and assist customers with questions. 

Assist other loan servicing staff with a variety of duties, as assigned. 

Comply with all banking regulations, policies and procedures.

NON-ESSENTIAL DUTIES & RESPONSIBILITIES include the following.  Other duties may be assigned.

Maintain education and professional expertise through attendance at job related seminars, conferences, and workshops.

SUPERVISORY RESPONSIBILITIES

None.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE

High school diploma or general education degree (GED).

Possess a minimum of at least six months of general office or file clerk work experience.  Formal education or training may be substituted for the required work experience. 

LANGUAGE SKILLS

Ability to read and comprehend simple instructions, short correspondence, and memos.  Ability to write simple correspondence.  Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization.

MATHEMATICAL SKILLS

Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. 

REASONING ABILITY

Ability to apply common sense understanding to carry out detailed but uninvolved written or oral instructions.  Ability to deal with problems involving a few concrete variables in standardized situations.

OTHER SKILLS AND ABILITIES

Operate standard office equipment (e.g., personal computer/printer, telephone, fax machine, copier, folding machine, calculator, etc.).  Basic PC knowledge.

KEY CONTACTS--Internal and External

Has frequent contact with loan officers, other bank employees, and customers.

CERTIFICATES, LICENSES, REGISTRATIONS

Valid driver’s license.

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

While performing the duties of this job, the employee is frequently required to stand; use hands to finger, handle, or feel; reach with hands and arms; climb or balance; stoop, kneel, crouch, or crawl; and talk or hear.  The employee is occasionally required to walk and sit.  The employee must frequently lift and/or move up to 15-20 pounds.  Specific vision abilities required by this job include close vision, and distance vision.

WORK ENVIRONMENT

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

COMMENTS

Position may require occasional travel to various locations for job related business.