Centennial Bank
 
Position Title

Special Assets Assistant I - Cabot

Job Title

Special Assets Loan Assistant

Job Description

Job Title: Special Assets Loan Assistant
Department: Special Assets Department
Reports to: Special Assets Officer
Availability: Monday - Friday
Hours: 8:00 a.m. - 5:00 p.m. (With occasional overtime)
FLSA Status: Non-Exempt

SUMMARY:Assist Special Assets officers and lending officers in the management of problem credits including preparation of reports, research of files, borrower contact including some collection efforts, interact with Banks legal counsels who are assigned to various problem assets to include providing loan documentation copies, pay histories, property title and borrower information. Coordinate loan closings for renewals and work outs as well as some new credits. Maintain working files for assets assigned to area of responsibility. Clear technical exceptions for borrower financial information, tax payments, insurance, etc. Prepare correspondence for officers.

ESSENTIAL DUTIES AND RESPONSIBILITIES : (Other duties may be assigned.)
1. Provide direct administrative assistance to SAD lenders managing problem assets. This duty is performed daily, about 40% of the time.

2. Assist in report preparation. This duty is performed monthly, about 25% of the time.

3. Prepare and/or ensure proper loan documentation is prepared for loan closings, work outs, etc. This duty is performed monthly, about 10% of the time.

4. Collection calls. This duty is performed monthly, about 10% of the time.

5. Clear credit file and collateral exceptions. This duty is performed weekly, about 10% of the time.

6. Maintain problem asset files. This duty is performed daily, about 10% of the time.

7. Coordinate with bank's legal counsel to provide information/documentation. This duty is performed weekly, about 20% of the time.

8. Completes required BSA/AML training and other compliance training as assigned.

9. Perform any other related duties as required or assigned.

Basic Qualifications

QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

EDUCATION AND EXPERIENCE
High school, plus specialized schooling and/or on the job education in a specific skill area; e.g. data processing, clerical/administrative, equipment operation, etc, plus 2 years related experience and/or training, and 12 to 18 months related management experience, or equivalent combination of education and experience.

COMMUNICATION SKILLS
Ability to read and understand simple instructions, short correspondence, notes, letters and memos; Ability to write simple correspondence.

MATHEMATICAL SKILLS
Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent and to prepare and interpret bar graphs.

CRITICAL THINKING SKILLS
Ability to use common sense understanding in order to carry out detailed written or oral instructions. Ability to deal with problems involving a few known variables in situations of a routine nature.

SUPERVISION RECEIVED
Under general supervision where standard practice enables the employee to proceed alone on routine work, referring all questionable cases to supervisor.

PLANNING
Considerable responsibility with regard to general assignments in planning time, method, manner, and/or sequence of performance of own work; may also occasionally assist in the planning of work assignments performed by others within a limited area of operation.

DECISION MAKING
Performs work operations which permit frequent opportunity for decision-making of minor importance and also frequent opportunity for decision-making of major importance; the latter of which would affect the work operations of other employees and/or clientele to a moderate degree.

MENTAL DEMAND
Close mental demand. Operations requiring close and continuous attention for control of operations. Operations requiring intermittent direct thinking to determine or select the most applicable way of handling situations regarding the organization's administration and operations; also to determine or select material and equipment where highly variable sequences are involved.

ANALYTICAL ABILITY / PROBLEM SOLVING
Moderately structured. Fairly broad activities using moderately structured procedures with only generally guided supervision. Interpolation of learned things in somewhat varied situations.

USE OF MACHINES, EQUIPMENT AND/OR COMPUTERS
Regular use of complex machines and equipment (desktop/laptop computer and software, road and production machines and equipment, etc.)

ACCURACY
Probable errors of internal scope should ordinarily be detected within the department or office in which they occur, but may affect the work of others within the unit, requiring additional expenditure of time to trace errors and make all necessary corrections. Errors would require a moderate amount of time to
correct.

PUBLIC CONTACT
Regular contacts with patrons, either within the office or in the field. May also involve occasional self-initiated contacts to patrons. Lack of tact and judgment may result in a limited type of problem for the organization.

EMPLOYEE CONTACT
Contacts of considerable importance within the department or office, such as those required in coordination of effort, or frequent contacts with other departments or offices, generally in normal course of performing duties. Requires tact in discussing problems and presenting data and making recommendations, but responsibility for action and decision reverts to others.

SOFTWARE SKILLS REQUIRED
Intermediate: 10-Key, Other, Word Processing/Typing
Basic: Accounting, Contact Management, Spreadsheet

PHYSICAL ACTIVITIES
The following physical activities 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 and expectations.

While performing the functions of this job, the employee is continuously required to talk or hear; regularly required to walk, sit, use hands to finger, handle, or feel, reach with hands and arms; frequently required to stand, stoop, kneel, crouch, or crawl; and occasionally required to climb or balance. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

ENVIRONMENTAL CONDITIONS
The following work environment characteristics described here are representative of those an employee encounters while performing 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.

 
 
   
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