Credit Administration Representative

Merchants BankWinona has an opening for a Credit Administration position involves the review and due diligence associated with Commercial Ag and Consumer loan transactions during the loan origination and monitoring functions. Duties primarily are in the Post Close area include preparing consumer and mortgage loan satisfactions loan input check-back and data collection and processing paid notes and completing lien a well-organized and motivated individual with good time management skills a high level of accuracy and ability to remain calm under pressure. Must have excellent communication skills and be a team Bank offers competitive wages and benefits for our full-time employees including health dental life disability and vision insurance; flexible spending accounts 401(k) and ESOP retirement plans; bonus plan; paid time off; tuition reimbursement; and a variety of voluntary supplemental insurance options. Pleaseclick on Apply Now or apply in personat Merchants Bank Winona (102 E 3rdStreet). Questions can be emailed to Bank is an Equal Opportunity Employer of women minorities protected veterans and individuals with Summary: The incumbent will perform review and due diligence activities associated with Commercial Ag and Consumer loan transactions during the loan origination and monitoring functions. The primary responsibility of the Credit Administration Representative position is to obtain and review executed loan documentation customer information as well as determining transaction compliance with applicable internal bank policy procedures and regulatory requirements. Success in this role will include fostering a collaborative relationship process and procedures that benefit all stakeholders in the lending process. The incumbent will demonstrate strong verbal and written communication skills a can-do-attitude while being able to develop amicable solutions of moderately complex situations with internal and external customers. Position will support credit related staff at all Merchants Bank locations and will perform duties in a centralized function located in the Winona Credit Administration Duties:Employees with this job description are cross trained in certain areas of special emphasis. Each individual time is split: 25% of their time attributed to the General requirements and 75% of their time to an area of Emphasis on a daily and dependable attendance is an essential function of the will be expected to contribute to a positive working environment through words and will be expected to greet internal and external customers in a friendly and outgoing will be expected to take responsibility to ensure that internal and external customers receive outstanding may be asked to perform other duties as required by business will be expected to complete compliance and product knowledge assignments in a timely the lending functions of the bank by preparing reviewing and/or retaining various loan documentation. This will be dependent upon focus to internal and external customer phone or written loan inquiries in a courteous prompt and accurate manner by phone as well as through written correspondence;Distributes and/or reviews a wide variety of reports both within and outside the department;Possesses knowledge and understanding of reports which remain within the department; Maintains proper retention of reports within department;Research identified customer problems utilizing problem solving skills to hypothesize causes; Communication including recommendations with manager for correction and prevention of continued problems;Performs other duties as requested by manager within the : Importing and ReportingWork is performed under minimal supervision according to established policies and procedures. Emphasis of this position is to barcode and import various documentation to banks document retention software and other various monitoring and import various documentation to banks document retention software (LQAS).File Set up Maintenance and Tracking (LQAS)Review and processing of various Mernet forms (risk rating changes non-accruals and charge-offs CD holds).Process Customer and File Maintenance ReportsProcess Funded Consumer and Commercial LoansPrepare and monitor UCC filings including new continuing and other amendments as consumer and commercial loan denials withdrawn loans and incomplete of various tasks and/or requests as neededEmphasis: Post CloseWork is performed under minimal supervision according to established policies and procedures. Emphasis of this position is to prepare mortgage and consumer satisfactions; follow up on all loan exceptions for commercial consumer and commercial loan types; loan input check back for consumer and mortgage loan types and HMDA and CRA checkback and data collection. Prepare/Mail/Import satisfactions for all commercial consumer and mortgage loansProcess commercial and consumer paid notes and complete lien perfections as neededFollow up on all consumer and commercial loan exceptions Loan input check back for consumer and commercial loan typesHMDA input and check back and upload information from various internal systemsCRA input and check backWorking Conditions Inside working environment very low noise level. Physical DemandsWork is performed primarily sitting at a desk. Requires a high degree of finger dexterity very good finger-eye coordination. Required strength to lift files and boxes up to approximately 15 DemandsRequires above-average aptitude in the area of math/number skills and evaluation/reasoning skills. Above-average skill in the area of problem analysis and problem solving. Ability to speak with clarity and articulate thoughts and ideas well. Must be able to remain calm under pressure and relate to all types of personalities. Skill RequirementsIndependent thought good organization self-motivation to complete tasks and remain on schedule with minimal supervision. Personal computer skills good typing skills effective telephone and written communication skills. Amiable personality; team Requirements: Must have a high school diploma or equivalent. Post-secondary education is preferred. Will be required to take standard training courses as directed by the bank and will be expected to complete ongoing educational requirements as determined by area of emphasis. RelationshipsReports to the Credit Administration Support Lead for fulfillment of duties responsibilities authority and for proper will have extensive phone and written interaction with staff. Position will have limited person-to-person contact with internal and external customers. Must have ability to work in a team environment. Personal manner to enhance the overall professional image of the Bank.