Immediate Supervisor:  Loan Operations and Servicing Manager

Employment Status:  Part Time – Non-Exempt

Salary Range:  $15.00 - $16.00 an hour based on experience.

 

Responsibilities will include, but may not be limited to: 

  • Accurately input and maintain financial data and loan documentation in the bank’s systems.
  • Assist in performing detailed financial analysis of commercial loan applications, including reviewing financial statements, cash flow, and credit history.
  • Compile and present comprehensive credit reports to Credit Analysts and Loan Officers.
  • Monitor existing commercial loan portfolios, identifying risks and changes in credit quality.
  • Collaborate with relationship managers and clients to gather necessary information and provide high-quality customer service throughout the lending process.
  • Utilize Microsoft Excel for financial modeling, data analysis, and reporting; Microsoft Word for preparing documentation; and Microsoft PowerPoint for presentations.
  • Stay informed about industry trends and market conditions affecting credit risk.
  • Support special projects aimed at improving credit analysis processes and tools.
  • Assist in the review of ACH and RDC applications and annual performance
  • Assist loan officers in managing maturing loans
  • Assist in the preparation of periodic reviews of existing loans to assess credit quality and covenant compliance
  • Obtain and review periodic reporting provided by customers to ensure borrowing base availability as well as to monitor performance
  • Assist loan officers to ensure customers are being serviced as needed
  • Actively participate in research, preparation, and execution of customer calls
  • Provide loan officers and senior management with a weekly overview of the Commercial Loan operations
  • Assist with the preparation of Annual Reviews on existing customers, to include but not limited to: detailed analysis of financial statements, collateral analysis, and debt service and covenant compliance; review of credit risk rating; borrower and guarantor analysis; assessment of lending risks, clearly identifying offsetting mitigates and summarizing recommendations
  • Appropriately protect the confidentiality, security, and integrity of the bank’s systems and information and client’s information
  • Manage commitments, uphold organizational values, mission and vision statements with a high level of professionalism and accepts responsibility for own actions
  • Comply with and maintains current knowledge of all department, company and state or federal policies, procedures and regulations and complete all necessary documentation accurately and efficiently.
  • Various other duties assigned as they relate to the Bank’s objectives and related functions and responsibilities of the position.

Knowledge, skills and abilities:

  • Ability to interpret complex financial data and draw meaningful conclusions.
  • Open to learning new tools, technologies, and processes.
  • Excellent organizational and time-management skills
  • Good interpersonal skills and strong customer service skills
  • Effective oral and written communication skills and analytical skills
  • Competence with office machinery, computers, Sageworks, Horizon XE, LaserPro, Windows, Microsoft Office, and other ancillary programs
  • Ability to handle external and internal customers and employees with diplomacy, tact and professionalism whether in person, electronically or on the phone
  • Ability to work independently or as a team and under pressure, meeting time critical deadlines
  • Detail oriented, high degree of accuracy and continual attention to detail
  • Ability to work various hours; some evening and weekend hours may be required
  • High level and focused work ethic
  • Ability to work in a fast-paced environment & be self-sufficient
  • Adapt to and thrive on changes with a sense of urgency
  • Be sensitive to Bank needs, customer and employee goodwill, and the public image

Benefits along the way...

  • Employee Stock Ownership Plan
  • 401K retirement plan with employer match
  • Opportunities to Support Local Charitable Organization
  • Continuing Education Benefits
  • Professional Development Opportunities
  • Incentive Opportunities
  • Length of Service Awards
  • Paid Leave for All Workers Accrual
  • Flexible work schedule
  • Salary is commensurate with training and experience

OSB Community Bank is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, age, sex, sexual orientation, gender identity, national origin, disability status, protected veteran status or any other characteristic appointed by law. More information about applicant rights under federal employment laws are available here. 

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