Credit Support Specialist

FUNCTION: Provides support for Business Banking Underwriters by initializing and prepping the underwriting process on a variety of business banking loan requests for all relationships over $100,000 in total exposure. Provides review of credit packages and other pre-underwriting functions, as detailed herein. Provides support for application process and portfolio administration with Small Business Administration. The credit support position also works closely with the department manager, relationship managers and senior analysts on a daily basis.

ACCOUNTABILITIES :

Pre-Underwriting Accountabilities:

• Assists on collection of primary financial information necessary to underwrite credit requests and insurance of complete loan application packages. This includes data provided by the client, as well as collection of internal relationship data necessary to complete a loan analysis such as loan and deposit relationship details
• Pulls any compliance and other third party related reports and does research necessary to process the loan application and ensures compliance with local, State and Federal regulations. (Flood, CIP, Property Tax Checks, UCC Searches, EDR’s etc.)
• Spreads business financial statements in Baker Hill/One Point. Also spreads personal financial statements in Excel
• Pulls credit bureaus, personal and business, as well as assisting in collection of industry background information

  General Accountabilities:

• By completing preliminary underwriting duties ensures that the underwriting process is most efficient and effective
• Interacts harmoniously and effectively with others, focusing upon the attainment of bank goals and objectives through a commitment to teamwork
• Conforms to acceptable punctuality/attendance standards as expressed in the Employee Handbook
• Performs additional duties as requested

  SBA Accountabilities:

• Under direction of Department Manager, provide support for SBA loan guaranty submissions through ‘E-Track’ system.
• Provide credit monitoring and other portfolio management functions to comply with SBA monitoring requirements on all SBA loans.
• Supports primary BSB SBA liaison and SBA on required quality control audits
• Provides required reporting to SBA, and assists with internal BSB SBA reporting.

Compliance and Control:

• Assists in ensuring that the Bank is in compliance with local, state and federal regulations

General:

• Interacts harmoniously and effectively with others, focusing upon the attainment of bank goals and objectives through a commitment to teamwork.
• Conforms to acceptable punctuality/attendance standards as expressed in the Employee Handbook.
• Performs additional duties as requested.

Competencies

• Adaptability/Flexibility – adapts to change, is open to new ideas, takes on new challenges

• Teamwork – promotes a team atmosphere, selflessly pitches in, shares information, partners well with others
• Initiative – takes action, operates as a pro-active self-starter, acts on opportunities to improve
• Integrity/Ethics – deals with others in a straightforward, honest manner, is accountable for actions, maintains confidentiality, supports company values, conveys news good or bad
• Interpersonal Skills – has good listening skills
• Productivity – manages time well, handles information flow well, accepts accountability, meets accuracy standards

  Knowledge/Skills/Experience Requirements:

• High school diploma or equivalent required. College Degree with emphasis in Business/Accounting/Finance preferred
• Must have an understanding of how to read and interpret financial statements
• Required to attend training sessions on an ongoing basis to improve professional skills
• Strong personal computer skills required and specific familiarity with appropriate software preferred
• Ability to work with little supervision and make independent decisions.
• Excellent customer service skills required
• Strong communications skills, verbal and written required
• Ability to manage multiple tasks concurrently and prioritize essential

  Physical Demands/Conditions Requirements:

• General office environment.
• Moderate lifting (to 35 lbs.) required. Moderate reaching, walking, sitting and standing required.

Equipment Used:

• General office equipment.

External and internal applications, as well as position incumbents who become disabled, must be able to perform the essential functions (as listed) either unaided or with the assistance of a reasonable accommodation to be determined by management on an individual basis.