Lending Assistant I

First Independent Capital of Nevada is a bank holding company headquartered in Reno Nevada. Through its wholly owned subsidiary, First Independent Bank of Nevada, the company operates four banking offices and a commercial real estate brokerage division in the Reno/Sparks area. The community bank focus is on the business and professional market in the area.
Our Vision:,First Independent Bank of Nevada has a vision of creating the preferred premier community bank in our market area, driven by exceptionally motivated employees building value for customers, shareholders, the community and each other.
Our Culture:First Independent Bank of Nevada strives to provide a quality banking experience by recruiting and investing in the very best employees available while providing smart, cutting edge technology and products.
Position Summary
We are currently seeking an experienced Lending Assistant I. Under direct supervision, assists a group of loan officers in obtaining, organizing, and assembling documentation for consumer and basic commercial loans. Prepares accurate and complete loan packages according to Bank and regulatory guidelines. Delivers completed file with request for documentation to Loan Servicing for documentation and completion. Communicates with customers, Bank staff, title companies, and others to respond to inquires, resolve problems and obtain documents necessary to complete the customer’s file.
Ensures compliance with Bank and regulatory requirements and provide quality customer service.
ESSENTIAL DUTIES
Assist lenders in research on accounts to ensure a high level of customer service for both customer requests and problem resolution.Assist lenders in obtaining information relevant to loan applications, including compilation of borrower’s supporting documents, internal research and file set-up. Responsible for running credit reports, ordering prelims, completing flood certifications, etc.Assist lenders in compiling and verifying information provided in borrower’s loan supporting documents; requests further information where necessary. Provides copies of documentation as requested by the customerAssist lenders in obtaining all necessary information needed to process credit request, including specific information that relates to Bank’s collateral in order to insure the Bank will be able to obtain a perfected lien position. This function may include interface with Loan Servicing staff, outside agencies, appraisers, title companies, etc. and the originating Lending Officer, to ensure loans are funded quickly and efficiently.Request loan documents: provides instructions for document preparation as necessary and interfaces with Loan Servicing staff to insure that documentation reflects the correct terms of the approved credit and conforms to bank policy and federal regulations.Reviews completed documentation for accuracy, ensures documents reflect the correct terms of the approved credit, conforms to bank policy and federal regulations and makes corrections or additions as necessary.Performs perfection of collateral (i.e. titles, UCC’s, D/T’s).Coordinates closing and funding of assigned loan packages; calculates closing costs; disburses loan funds and processes payment of fees, including preparation of debit and/or credit entries and checks as needed. Verifies insurance coverage as required on specific collateral taken as security. Assists lenders in obtaining customer’s signatures on applications, financials statements, tax returns and loan documents as necessary.Performs related clerical duties, including word processing, typing, filing, copying, gathering data and preparing routine reports and correspondence as necessary.Reviews loan file prior to releasing to loan servicing to ensure all documentation is accurate and complete.Respond to customer and branch inquires regarding general loan related information.Performs all duties in compliance with laws, regulations, and bank policies and procedures.SECONDARY DUTIES
Attends bank training classes, Internal/external workshops, meetings and seminars to expand the technical and sales expertise to learn and implement the subject matter.May be assigned additional projects and assignments as necessary by the supervisor.Performs related duties as required.SUPERVISORY RESPONSPONSIBILITY
The incumbent in this position has no supervisory responsibilities.
ENVIRONMENT
The environment for this position is a branch office that is mostly clean and comfortable. It may include some minor annoyances such as noise, odors, drafts, etc. The incumbent is in a non-confined office-type setting in which he or she is free to move about at will.PHYSICAL ACTIVITY
In the course of performing this job, the incumbent typically spends time sitting, standing for extended periods of time, walking, and speaking/listening.MENTAL DEMANDS
The incumbent in this position must be able to accommodate to any/all of the following: Long periods of repetitious work activity; time pressures and tight deadlines; long periods of highly detailed, precise work activity; and long periods of constant contact with others where no privacy is possible.EQUIPMENT OPERATION
The incumbent of this job operates the equipment listed below:
TelephoneDocument copiers (Xerox, facsimile machineMicrofilm search/retrieval equipmentVehiclesTypewriterAdding machine/calculatorPersonal computerOur Comprehensive Benefits Package Includes:
MedicalPrescription DrugsDental VisionPaid Holidays, Vacation and Sick DaysLife InsuranceDependent Life InsuranceAD&D InsuranceLTDEmployee Resource ProgramFlexible Spending AccountIncentive ProgramEmployee Stock Ownership plan
REQUIREMENTS
POSITION REQUIREMENTS
These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this job. Individual abilities may result in some deviation from these guidelines.To perform effectively in this position, the incumbent is required to have:
A minimum of two years experience to include a thorough knowledge of commercial lending and commercial real estate lending practices and related laws and regulations.Basic knowledge of commercial loan documentation and business entities.Working knowledge of personal computers and Microsoft Office softwareEffective oral and written communications skillsRoutine problem-solving capabilitiesA working knowledge of Bank services and productsTypically, these skills are the result of graduation from high school and two or more years prior work experience in loan processing or a related lending environment.These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this job. Individual abilities may result in some deviation from these guidelines.The incumbent must be able to perform this job safely, without endangering the health or safety of him/herself or others.Apply immediately for this challenging and exciting career opportunity within a growing company with excellent compensation and a great benefits package. Please apply online with a posted resume. Thank you.
Equal Opportunity Employer