Commercial Support Specialist I at Interra Credit Union in Lagrange, Indiana

Job Description:

Working Model:  Hybrid
 We have a balanced hybrid working model to ensure you have the flexibility you need.  The successful candidate will balance their time between working in the office (minimum of two days) and working from home. The  on-site location is flexible base on the candidate's location.

As a Commercial Support Specialist I you will be responsible for providing administrative support to Credit Union Members and to Business and AgriBusiness Lenders. Accountable for all post-closing activities, to include working with internal and external members via phone, chat, and in-person to resolve any loan related issues, processing documentation, and loan maintenance as required. Provide ongoing sales support to Lenders which includes identifying sales and cross sell opportunities, coordinating materials for presentations, setting up sales calls as needed, maintaining prospect lists and making joint calls as required. Originates, processes and ensures accuracy of loan documentation for closings. This includes entering financial information into the loan system and ensuring that all necessary documentation is included in the loan package prior to closing.

Direct Reports: None

Work Responsibilities

Order processing items necessary to complete the underwriting and closing processes while reviewing and ensuring accuracy of information to include ordering process items such as: credit reports, appraisals, flood certificates, title commitments, UCC searches/filings, final closing documents, construction draws, property inspections and other items as needed from time to time. Prepare and process documentation and loan file maintenance as required. Communicate with internal and external members on resolutions.Responsible for collateral management which may include monitoring collateral for new loans to ensure that the credit union's liens have been perfected, scanned, filed, and recorded receipt of collateral documentation, process releases of collateral for paid loans and troubleshoot collateral issues with internal and external members. Responsible for communicating with borrowers and requesting financial statements, tax returns, borrowing base certificates, rent rolls, inventory reports and other items as needed. Prepare and organize loan requests for new and renewed loans, checking maturing loan reports to schedule loan renewals and providing ongoing monitoring for exception items and tracked covenants. Setting up new loans using the Credit Union’s loan application/spreading software to include entering all borrower, guarantor, collateral, and loan data as well as completing the borrower and guarantor and ensuring that all entries are accurate and adhere to loan policy. Ongoing Credit Servicing Support and Accuracy: Resolving documentation exception issues, maintaining service levels, updating financial statements, and preparing les for all portfolio reviews. Run reports to track maturing lines/loans and service levels.Provide support to Lenders to include managing their loan portfolio. Provide support to all aspects of lending and servicing loans, have a direct impact on members of the credit union to include quality control on loan documents processed by member-facing staff and working with the employees to retrieve proper documentation. Be a part of a team that focuses on driving progress, building relationships, and keeping people at the core in everything that they do. Scheduling new loan closings by coordinating with title companies, sellers, attorneys, realtors, and borrowers. This includes preparing and delivering closing instructions to title companies, verifying that all figures are correct and approving disbursements prior to loan funding. Provide payoff statements. Process payments, payoffs and returned payments. Utilize problem-solving and solutions skills for members and provide them with financial advantages.Providing member support by applying loan payments, making loan advances, quoting payoffs, providing statements, and researching loan maintenance or history. This includes serving as the member’s primary resource for communicating with the Credit Union regarding their loan accounts. Order credit bureaus as needed.Must comply with all company policies and procedures, applicable laws, and regulations, including but not limited to the Bank Secrecy Act, the USA PATRIOT Act, Office of Foreign Assets Control, Military Lending Act (MLA), Service Member Credit Relief Act (SCRA) and HMDA.

Experience
2+ years' experience in the financial industry to include experience in loan documentation.

Education / Certifications / Licenses
A High School Diploma or equivalent. Must have a valid driver's license.

Preferred Skills

• Demonstrated knowledge of business and agricultural loan structures.


• Professional level of verbal and written communication skills are essential to the position.


• Advanced proficiency in Microsoft Office (Outlook, Word, Excel, PowerPoint).


• Demonstrated knowledge of Credit Union regulations, products, policies, procedures, and services.


• Ability to provide world class member service while executing Interra’s vision, mission, and delivery of Core Values.

Interpersonal Skills

• Courtesy and tact are essential elements of the job.


• Work involves personal contact with members and others inside and outside the organization, generally regarding fairly routine matters for the purposes of giving and obtaining information or instructions, updating or referring.


• Communications require shorter and not in-depth discussions most of the time.

Competencies 

• Adaptable - Maintains effectiveness in reaching goals by adapting to changing circumstances, tasks, responsibilities, and people. Adjusts effectively to new work structures, processes, or requirements.


• Balance Stakeholders - Understands the needs of diverse stakeholders and the underlying motivations driving those needs, including cultural and ethical factors. Acts fairly in the decision-making process when faced with conflicting demands of stakeholders.


• Effective Communication - Utilizes a variety of communication modalities effectively and appropriately across multiple channels. Is effective in a variety of communication settings: one-on-one, small, and large groups, or among diverse styles and position levels. Adjusts to fit the message to the audience. Provides timely and helpful information to others across the organization.


• Functional Expertise - Possesses a sufficient level of technical and professional skill or knowledge in position-related areas; keeps up with current developments and trends in areas of expertise; actively seeks ways to grow and be challenged using both formal and informal development activities.


• Self-Motivated - Demonstrates initiative to address challenges, accomplish tasks, and seize opportunities, even when challenged. Demonstrates appropriate urgency and positive attitude while doing so.


• Teamwork - Effective team player who adds complementary skills and contributes valuable ideas, opinions and feedback; communicates in an open and candid manner and can be counted upon to fulfill any commitments made to others on the team.

ADA REQUIREMENTS

Physical Requirements

• Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 5 lbs.


• Must be capable of climbing/descending stairs in emergency situation.


• Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator.


• Must be able to routinely perform work on computer for an average of 6-8 hours per day.


• Must be able to work extended hours whenever required or requested by management.


• Must by capable of regular, reliable, and timely attendance.
  Working Conditions


• Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise.

Mental and/or Emotional Requirements

• Must be able to perform job functions with supervision and work effectively either on own or as part of a team.


• Must be able to read and carry out various instructions and follow oral instructions.


• Must be able to speak clearly and deliver information in a logical and understandable sequence.


• Must be able to perform basic mathematical calculations with extreme accuracy.


• Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of member service and discretion when dealing with the public.


• Must be able to perform responsibilities with composure under the stress of deadlines/requirements for extreme accuracy and quality and/or fast pace.


• Must be able to effectively handle multiple, simultaneous, and changing priorities.


• Must be capable of exercising highest level of discretion on confidential matters.

Equal Employment Opportunity and Affirmative Action
Interra is an equal opportunity and affirmative action employer committed to creating a diverse workforce.

Qualified applicants will receive consideration without regard to their race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability, or status as a protected veteran among other factors.

Accessibility Accommodation
Interra Credit Union invites all qualified and interested applicants to apply for career opportunities.  If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity, please contact HR@interracu.com  and one of our Human Resources Consultants will contact you within 48 hours.

 

Lending/AG Lending

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