Individual would be in charge of retaining and developing the branch in Eustis.  Duties would include, but are not limited to:

• Manage the daily functions of the Eustis location. (Deposits, operations, loan portfolio, etc.)
• Managing of the staff and staffing needs at the Eustis Branch.
• Ongoing reporting to management and the Board of Directors. (Budgets, branch goals, monthly branch updates, etc.)
• Developing your skills directly with Commercial and Ag Lending.
• Developing leads and calling on prospective bank loan customers.
• Working with applicants/customers to identify their financial goals and financing needs.
• Gathering and analyzing applicants/customers financial status, credit history, repayment ability, etc.
• Conducting collateral inspections.
• Participating in bank wide loan reviews and other bank wide duties/tasks as needed.
• Preparing of loan presentations for approval by the loan committee.
• Ongoing servicing, reviewing, analyzing and updating of customer financial records, loan performance, loan to collateral value calculations, etc.
• Collecting of delinquent loans or loan payments
• Performing other job duties that may be from time to time assigned to you by the management of Waypoint Bank.

Job Description

The Loan Processor will perform duties to assist the bank in processing loan requests that will help to achieve the objective of the bank with sound, profitable loan growth. This person will spend the majority of his time assisting Lenders with loan requests to the bank; processing loan files, creating and reviewing loan documents, ordering title policies, appraisals and other supportive documents. This person will handle customer service and communicate directly with borrowers.

 Duties

• Prepare and process loan documents and files
• Scan documents for electronic file
• Review of documentation for accuracy and consistency with loan policy and procedures
• Monitor loan relationships, including collection of financial statements, borrowing base monitoring, covenant compliance testing and annual reviews
• Understand and perform processing and review of title work, appraisals, environmental reports, flood searches and other related due diligence in commercial and consumer lending
• Process loan payments
• Book and fund loans on the core system
• File liens, to include deeds of trust, UCCs and titles
• Process paid loans
• Complete quarterly compliance training as required by the bank
• Participate in customer calls when necessary as a part of the underwriting and due diligence process
• Other duties as assigned

Key Competencies

• Understanding of appraisals, title work, insurance, financials and tax returns
• Excellent customer service and communication skills
• Proficient in basic math, Excel, Word, Office and other financial banking programs – LaserPro experience is a plus
• Accurate and detail-oriented
• Exhibit strong analytical, clerical, organizational and credit skills
• Manage multiple tasks simultaneously in a high stress and fast paced environment in order to meet deadlines. Switch quickly to and from different tasks.
• Be dependable and timely to work
• Work independently to complete tasks and be a positive team player

Education

A high school diploma is required to obtain the position as a Loan Processor.  Three years bank experience, with consumer, mortgage or commercial loan processing/servicing experience is preferred.  On the job training will occur and the applicant will be expected to be a quick learner.

Salary Information

Starting salary is $22/hr.