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Job Description

GENERAL SUMMARY 

This position provides an opportunity to be involved in a dynamic, fast-paced, team-oriented environment. The successful candidate will be self-motivated, have an entrepreneurial attitude, a strong work ethic, and excellent organizational, writing, and time management skills.

The Processor will work as part of the overall commercial lending and credit administration teams to administer and maintain the commercial loan portfolio, be a point of contact with commercial lenders, borrowers, and third-party providers to provide customer assistance, ensure proper documentation of commercial loan files, and perform routine clerical and administrative work, along with the preparation of required reporting. 

SKILLS

• Work independently with minimal supervision in a team environment and demonstrate the initiative to assume additional responsibility
• Strong verbal and written communication skills
• Effective interpersonal skills
• Ability to prioritize and meet deadlines
• Sound judgment and critical thinking skills
• Strong attention to detail and accuracy

ESSENTIAL DUTIES AND RESPONSIBILITIES

Commercial Loan Files & Documentation Preparation:

· Prepare documentation for new, modified and renewed commercial loans of all types working directly with lenders as files are assigned by Commercial Loan Administration Supervisor

· Work closely with lenders upon assignment of approved loan presentation to begin the process of preparing the loan, including ordering of title work, evidence of insurance, flood zone certification, etc. 

· Support loan process by communicating with attorneys, appraisers, insurance agents, title companies, and other third parties to coordinate the details of loan transactions

· Ensure that loan covenants are properly documented, and exceptions are accurately identified prior to funding

· Work with other commercial loan staff to ensure that a pre-closing review of prepared documentation is completed, and all documents are correct and accurate prior to releasing documents to lender for the lender to review prior to closing. 

· Book commercial loans upon closing and receipt of all associated documentation; Coordinate funding, perform post-closing file review and ensure perfection of liens on collateral

· Follow up on completed loans to ensure all documentation is received and recorded 

· Maintain commercial loan documentation files in the standard format, including electronic imaging

· Work with the Commercial Loan Administration Supervisor on special projects and specific requests.

· Ensure that work is performed in accordance with all banking regulations and the Bank’s policies and procedures

Commercial Lender & Customer Assistance:

· Handle customer and lender inquiries via telephone, in-person, or email; may involve payments, advances and corrections among other requests

· Payment and payoff processing.

· Provide assistance with answers and explanations related to loan billing questions

· Provide assistance to Commercial Lenders with answers and explanations for customer related requests

· Complete customer and loan file maintenance on the loan information system to ensure accurate and up to date reporting is available. 

· Provide assistance to customers and lending staff as needed.

· Work with other commercial loan staff to provide a check of all file maintenance entered in the system.

Clerical & Administrative:

· Complete maintenance of records on Floor Plan Loans

· For construction loans, responsible for the draw process including monitoring, follow-up with Title Company, contractor and officer, and processing draws according to Bank policy.

· Prepare daily, monthly and quarterly reports as assigned or requested. 

· Cross-train with other members of the commercial loan department to provide thorough understanding of entire set of responsibilities and procedures.

· Assist with monitoring, tracking and reporting on loan documentation, and loan approval exceptions.

· Assist with Escrow payments and analysis (twice / year) as directed by Supervisor

· Forced place insurance maintenance

· Perform other tasks requested by supervisor as they relate to the Bank and its functions.

OVERALL PERFORMANCE REQUIREMENTS

The six Principles of Success are part of the employee’s performance expectations at every level of the Bank. The “Principles” are intended to encourage a culture of accountability, pride, loyalty and enthusiasm. The first step in being successful is to be aware of the expectations and then to live the expectations.

1. Embrace and Drive a Culture of Change

• Support and encourage new ideas.
• Generate solutions and make informed decisions.

2. Act as a Valuable & Enthusiastic Team Member

• Recognize the importance of teamwork to achieve objectives.
• Communicate openly and confidently.
• Influence and convince others in a way that results in acceptance and agreement.
• Bring in ideas, information, suggestions and expertise from others inside your immediate team and in other departments.
• Build strong team relationships through mutual trust and accountability.
• Work in unity to improve our knowledge and skills. 

3. Focus on the Customer Experience to Build Loyalty

• Cultivate relationships.
• Make an emotional connection– focus on the relationship, not the transaction.
• Provide advice and help on WSB products and services that are relevant to the customer’s unique needs.
• Accept customer feedback and follow documentation process if appropriate.
• Adheres to the customer communication protocols.

4. Accept Responsibility and Accountability

• Act with integrity.
• Be prepared for meetings, participate, respect the process and contribute solutions.
• Maintain commitments and remain positive in the face of setbacks and obstacles.
• Keep challenges in perspective and remain positive.
• Take personal accountability for achieving individual and shared goals.
• Be responsible for the effectiveness of training.
• Initiate action to move projects forward and adjust actions to respond to changing circumstances.
• Take responsibility for your own success.

5. Serve the Community with Pride

• Actively look for opportunities to be involved in the community.
• Recognize the importance of community involvement.
• Contribute and make a difference when dealing with outside organizations.

6. Follow Customer Service Standards

• Commit to understand and live each standard.
• Lead by example.
• Seek and recommend ways to elevate each standard.

Requirements

  QUALIFICATIONS:

• EDUCATION AND EXPERIENCE

High School Diploma or GED and a minimum of 1 year banking experience.

Successful completion of in-house training program or other acceptable on-the job training program.

• KNOWLEDGE, SKILLS & ABILITIES

Excellent interpersonal, verbal and written communication skills. 

Thorough knowledge of bank operations, banking and cash management products; excellent knowledge of product delivery systems and on-line computer systems.

Confidentiality – Maintain strict confidentially of sensitive Bank and personal information of customers, applicants, employees and former employees.

Compliance – Comply with and develop knowledge of applicable laws and regulations.

Computer literacy – Skill in a variety of computer software programs and capable of working in an online environment. Proficient PC and software application skills; General computer skills with experience in MicroSoft Office Word and Excel.

Mathematical skills – Able to add, subtract, multiply and divide in all units of measure, using whole number and decimals; able to discern routine mathematical errors; able to compute rate, ratio and percent.

Customer service – Effectively relate to customers, respond quickly to customer needs and demonstrate the ability to employ diplomacy and tact at all times.

Independent Judgement – function independently to accomplish assigned projects; refer unusual problems to supervisor.

Accuracy – Perform work accurately and thoroughly with attention to detail.

Location

201 W Loomis St
Ludington MI, 49431-2012

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Job Description

Build your future with us!

Serving the West Shore area since 1898, West Shore Bank is the area's leading Independent Community Bank making a real difference in our local communities in Benzie, Mason, Manistee, Oceana and Grand Traverse Counties.

Do you have a passion for service and a drive to succeed? West Shore Bank is a growing independent bank and is accepting applications for a Personal Banking Representative in our Hart Office.

The Personal Banking Representative is responsible for promoting the Bank's products and services, opening new accounts and processing routine transactions for bank customers including casing checks, accepting deposits and withdrawals and processing loan payments.

Requirements

The ideal candidate will be motivated and have excellent interpersonal, communication and customer service skills. A high school diploma or equivalent and prior cash handling and customer service experience are required. Prior Teller experience is helpful. 

Please complete an application or send your resume to: West Shore Bank Human Resources P.O. Box 627 Ludington, MI 49431

M/ F/ Vet/ Disabled/ Minority/National Origin/ Religion/ Sexual Orientation/ Gender Identity and Expression

Location

4070 W Polk Rd
Hart MI, 49420-8172

Apply For Personal Banking Representative Now

Job Description

Personal Banking Representative Float

Ludington, MI

Build your future with us!

Serving the West Shore area since 1898, West Shore Bank is the area's leading Independent Community Bank making a real difference in our local communities in Benzie, Mason, Manistee, Oceana and Grand Traverse Counties.

Do you have a passion for service and a drive to succeed? West Shore Bank is a growing independent bank and is accepting applications for a Personal Banking Representative float in our Ludington and Scottville offices.

The Personal Banking Representative Float is responsible for promoting the Bank's products and services, opening new accounts and processing routine transactions for bank customers including cashing checks, accepting deposits and withdrawals and processing loan payments.

Requirements

This is a float position, that will require traveling to the Ludington and Scottville offices as needed.

The ideal candidate will be motivated and have excellent interpersonal, communication and customer service skills. A high school diploma or equivalent and prior cash handling and customer service experience are required. Prior Teller experience is helpful. 

Please complete an application or send your resume to: West Shore Bank Human Resources P.O. Box 627 Ludington, MI 49431

M/ F/ Vet/ Disabled/ Minority/National Origin/ Religion/ Sexual Orientation/ Gender Identity and Expression.

Location

201 W Loomis St
Ludington MI, 49431-2012

Apply For Personal Banking Representative Float-Ludington/Scottville Now

Job Description

  

Overview

Please note: This is not an active role. Our recruitment process runs continuously, with teams hiring as per their specific needs. If you're interested in joining West Shore Bank, we invite you to complete the screening questions on our application. If your profile and availability align with a specific opening, we will reach out to you accordingly. This approach enables us to identify and connect with suitable candidates for relevant opportunities throughout the year.

Locations can be Ludington, Traverse City, Manistee, Onekama, Frankfort, Muskegon or our Hart offices.

  

Please complete an application or send your resume to: West Shore Bank Human Resources P.O. Box 627 Ludington, MI  49431

M/ F/ Vet/ Disabled/ Minority/National Origin/ Religion/ Sexual Orientation/ Gender Identity and Expression 

Requirements

Location

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null MI, null

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