Credit Administration

Job Status: Hourly, Non-Exempt

Objective/Summary: Supports the Commercial Lending staff by performing a variety of duties related to the processing, administration, and closing of new and existing commercial and real estate loans. Incumbent assists the Commercial Lenders by dealing directly with customers concerning their credit and deposit relationship with the bank.

Essential Functions:

• Records new applications, loans and deposit accounts.

• Communicates directly with customers concerning their relationship with the bank; answering customer inquiries and resolving routine problems.

• Obtains customer credit information and ensures sufficient loan collateral.

• Monitors past due loans and overdraft accounts.

• Prepares periodic loan and credit reports.

• Reviews and files forms and documents.

• Meets/talks with customers concerning their relationship with the bank.

• Interacts in a professional, courteous manner with customers, co-workers, vendors, etc…

• Maintains strict confidentiality guidelines in accordance with Company policy.

• Demonstrates knowledge and expertise of general bank accounting procedures and supports the Company’s overall mission, standards, policies and procedures, and confidentiality guidelines.

• Maintain personal grooming and company dress and appearance standards.

• Maintain company attendance standards.

• Other tasks as assigned.

EDUCATION, EXPERIENCE AND REQUIREMENTS:

• Bachelor’s Degree is preferred.

• Two years of banking administration experience.

• A valid driver’s license.

• Satisfactory credit and criminal background check.

SKILLS AND PHYSICAL DEMANDS:

• Skills:

  • Hard Skills: Proficient in basic computer operations. Proficient in 10-key. Proficient in Microsoft Office Word and Excel. Able to type efficiently.

  • Soft Skills: Good verbal and written communication skills, attention to detail, organization skills, can-do attitude, problem solving skills, decision-making skills sense of urgency, and strong work ethic.

• Typical Physical Demands:

  • Regularly required to talk and hear.

  • Requires sitting for an extending period with some walking, with some bending, kneeling, stooping, crouching, crawling, and climbing

  • Occasional light lifting not over 25lbs

  • Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus.

Nothing in this position description restricts management’s right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This job description is not a contract and should not be construed as a guarantee of employment for any specific period of time.

Affirmative Action/EEO Policy Statement

InterBank is committed to maintaining an environment of equal opportunity. Accordingly, it is InterBank’s policy to provide equal opportunity for employment, advancement, and benefits to all qualified applicants and employees without regard to age, race, religion, sex, color, national origin, disability, citizenship status, uniform service membership/veteran status, or any other protected status as established by law.

Our commitment is to achieve and maintain excellence through full and equal opportunity, which is fundamental to the existence of InterBank. It is therefore the policy of InterBank not only to avoid direct discrimination but to go further. The company will act affirmatively to identify and eliminate barriers that may exclude or impede members of certain groups in their pursuit of excellence. Such affirmative action will address the treatment of persons who are already members of the company, as well as applicants for admission or employment.