The Loan Documentation Specialist will be responsible for the preparation of loan documentation for all loans including multi-family, commercial real estate, business lines of credit, personal lines of credit, accounts receivable formula lines of credit and Home Equity Lines of Credit. This person will also be responsible for reviewing loan documentation requests for completeness and regulatory compliance and preparing loan documentation pursuant to the terms and conditions of loan approval.

Essential Functions and Basic Duties:

• Review Credit Authorizations and prepare the appropriate Loan Documents and other ancillary documents needed to address the Credit Authorizations under direct supervision.
• Basic knowledge of Avidbank policies and procedures as well as Federal, State and other regulatory requirements.
• Assists management in insuring compliance with applicable banking regulations, with particular emphasis on the Bank Secrecy Act.
• Work with title companies.
• Review loan files prior to loan booking to ensure compliance with Credit Authorizations.
• Review title policies for accuracy and work with title companies to resolve discrepancies.
• Responsible for the daily delivery of the highest level of service to both internal and external clients.    
• Additional support and duties as assigned.

Qualifications and Desired Skills:

• Experience in LaserPro and Horizon is desirable.
• Computer Skills: Advanced Microsoft Word, Microsoft Excel, and Microsoft Outlook.
• Ability to provide courteous, knowledgeable and professional customer service in all forms of interaction.
• Ability to assume responsibility, display initiative, exercise good judgment, and make and act upon decisions with minimal supervision.
• Good organizational skills, ability to prioritize and meet deadlines.

Experience Required:

• Undergraduate degree or Associates Degree in finance or business preferred.
• Minimum 1 year related experience in loan operations processing.

This is a client service position integral to our day-to-day bank operations. The ideal candidate comes to us with a strong work ethic, great communication, major attention to detail, ability to retain information, and excellent client service skills.

Essential Functions and Basic Duties:

·       Performs routine and intermediate client service duties; balancing GLs and other daily maintenance operations reports, online banking and other cash management functions (RDC, Wires, ACH), cash letter adjustments, and other client transactions as requested.

·       Promotes business for the Bank by maintaining quality client relations and referring customers to appropriate staff for new services.

·       Processes client transactions as requested, ensuring that all necessary documents are properly authorized, in proper form, within authorized limits, and completed accurately.

·       Operates computer terminal or personal computer to process account activity, determine balances, and resolve problems within given authority.

·       Receives and processes research (check and statement copies) upon client request.

·       Receives and processes stop payment and hold orders.

·       Receives and processes client transfers.

·       Establishes proper identification of new customers and determines need and extent of reference investigation.

·       Cross-sells the Bank’s other products and services, referring customers to appropriate staff as indicated.

·       Records, files, and updates client information, with appropriate verification.

·       Prepares wire transfers, incoming and outgoing, performs call back (verbal confirmation).

·       Gathers data and processes various reports (e.g., currency transaction, returned items, overdrafts, maintenance, callbacks, etc.).

·       Processes credit ratings, verification of deposit, certifications, cash letter adjustments, and deposit corrections.

·       Maintains files, copies, and fax documents.

·       May prepare and research data for levies and garnishments.

·       Assist clients with debit card transaction research, including ordering new debit cards, processing Regulation E claims.

·       Assist clients with Online Banking including but not limited to, resetting passwords, bill pay, building users, assisting clients with troubleshooting, reviewing potential   fraudulent transactions, and other functionality.

·       May assist clients with Mobile Banking and Mobile Remote Deposit Capture including but not limited to, enrollment and basic functionality.

·       May Assist with Remote Deposit Capture including but not limited to, reviewing deposits, resetting passwords, assisting clients with troubleshooting, and other basic functionality.

·       May assist New Accounts (ordering checks, processing credit card applications) as required, or for back up to other personnel.

·       Attends and contributes to Operations and All Staff meetings held periodically.

·       Other duties as assigned by management.

·       Assists management in ensuring compliance with applicable banking regulations, with particular emphasis on the Bank Secrecy Act. Understands government regulations with particular emphasis on the Bank Secrecy Act and related regulations and the fact that compliance with BSA regulations is an enterprise responsibility.

·       Other related compliance areas (as they pertain to Operations):

o   Expedited Funds Availability – Regulation CC

o   Red Flags – Identity Theft

o   Error Resolution – Regulation E

o   Truth in Savings – Regulation DD

o   Reserve Requirements for Depository Institutions – Regulation D

o   Privacy of Consumer Financial Information – Regulation P/GLBA

o   Prohibition on Funding of Unlawful Internet Gambling – Regulation GG

Qualifications and Desired Skills:

Excellent communication skills, attention to detail, self-motivation, and a strong computer aptitude. 

Experience Required:

High School Diploma. Minimum 2 years related experience preferred.

This position assists the lending function by gathering and analyzing credit information on current and potential borrowers and determining credit risk for diversified types of loans.

Essential Functions and Basic Duties:

• Assists loan officers in writing loan requests and proposals.
• Promotes quality customer relations and refers customers to appropriate staff for new services.
• Assists loan officers in performing pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.

a. Gathers data from customers, investors, and other sources.

b. Prepares spreadsheets and analyzes financial information including financial statements

c. Contacts customers for additional information and clarification of data.

• As instructed, compiles data from industry peer comparisons, perform financial analyses and other related tasks.
• Based on analysis, makes recommendation on loan structures and terms to loan officers and assists in the writing of financial analysis and reports.
• Assist with loan processing and coordination.
• Monitors loans and determines when updates to documentation, e.g. financial statements, are required. Informs loan officers and monitors accounts. 
• Participate in the on-going computerization of the loan review function.
• Assist in providing deposit and loan account ratings for loan officers.
• Update and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken.
• Understands government regulations with particular emphasis on the Bank Secrecy Act and related regulations and the fact that compliance with BSA regulations is an enterprise responsibility.
• May represent the Bank in various community, civic and community reinvestment functions to promote the Bank’s image and develop additional business.
• Perform other duties as required.

Qualifications and Desired Skills:

• Associate or Bachelor’s Degree in finance, accounting, business, or related field preferred.
• Basic knowledge of lending, compliance or CRA.
• Proficient in Excel and Word.
• Knowledge of Horizon.
• Strong organizational skills, interpersonal skills, and detail oriented.

Experience Required:

Minimum of two years’ experience in a financial institution in an accounting/financial, lending, credit analysis or related area.

The Relationship Manager is responsible for managing a portfolio of clients and developing good business relationships that lead to loans, deposits and other banking products offered by the Bank. The Relationship Manager must assist with the management sales and service efforts to ensure retention of existing relationships and growth of new relationships.

Essential Functions and Basic Duties:

• Solicits, negotiates, underwrites and coordinates the closing of business loans in compliance with the Bank's lending policies and procedures.
• Develops business checking and deposit relationships with customers; and promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services.
• Interviews prospective applicants and requests specified information related to loan or credit application; corresponds or re-interviews applicants to resolve questions regarding application information.
• Analyzes potential loan markets to develop new prospects.
• Develops business relationships.
• Performs pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.
• Gathers and analyzes all information necessary to present a financing request to senior management or Loan Committee for approval; meets with existing or potential customers; visiting sites of loans; negotiates  loan terms and conditions.
• Coordinates processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements.
• Ensures that credit inquires and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved.
• Ensures that certification or deletion of collateral is made by the appropriate personnel.
• Negotiates, underwrites and processes renewals of credit facilities.
• Approves loan payments, draws from lines of credit, and fund transfers within specified limits.
• Authorizes commitment, engagement, and declination letters.
• Reviews NSF and overdraft reports for customers assigned within his or her portfolio; approves or declines such exceptions within established lending limits.
• Assists management with insuring compliance with applicable banking regulations, with particular emphasis on the Bank Secrecy Act.
• May represent the bank in community or civic functions to promote the Bank’s image and bank products and services.

Qualifications and Desired Skills:

• Thorough understanding of financial services and banking products.
• Strong underwriting and portfolio management skills.
• Ability to manage complex credits and client relationships.
• Background in leveraged finance a plus.
• Results driven.
• Thrives in a dynamic environment and has keen sense of urgency.
• Skilled communicator.
• Strong ability to lead and motivate junior staff.
• Ability to interpret financial data and reports and when necessary recommend appropriate actions.
• Ensures absolute confidentiality in all areas of responsibility.

Experience Required:

This level of knowledge is normally acquired through a Bachelor's degree along with at least 5 years of experience. Qualified candidates with equivalent experience should apply.