Commercial Credit Specialist

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    "requisitionDescription": "<div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><link href=\"https://cdn.jsdelivr.net/npm/[email protected]/css/froala_editor.pkgd.min.css\" rel=\"stylesheet\" type=\"text/css\"></div><p style=\"margin-left:0in;\" data-pasted=\"true\"><strong>Are you looking for an employer that provides 5 weeks of PTO and benefits upon hire, focuses on advancement opportunities, and has an overall average employee tenure of a decade? With tuition reimbursement, wellness incentives, and a 401K plan with dollar-for-dollar match, Florence Bank has it all!</strong></p><p style=\"margin-left:0in;\"><strong>At Florence Bank, we offer:</strong></p><ul type=\"disc\"><li style=\"margin-left:0in;\">Competitive salary</li><li style=\"margin-left:0in;\">Generous paid time off</li><li style=\"margin-left:0in;\">12 paid holidays</li><li style=\"margin-left:0in;\">Hybrid work schedule after successfully completing 6 months of employment</li><li style=\"margin-left:0in;\">Dynamic work culture</li><li style=\"margin-left:0in;\">Fun work environment</li><li style=\"margin-left:0in;\">Weekly pay schedule</li><li style=\"margin-left:0in;\">Medical, dental, vision and life insurance upon hire</li><li style=\"margin-left:0in;\">401K plan with dollar-for-dollar match</li><li style=\"margin-left:0in;\">Profit sharing bonus after two full calendar years of employment</li><li style=\"margin-left:0in;\">Robust wellness program with monetary incentives</li><li style=\"margin-left:0in;\">$5,000 tuition reimbursement each calendar year</li></ul><p id=\"isPasted\"><span style=\"font-size: 14px; font-family: arial, sans-serif;\"><strong>We are currently seeking candidates to join our exceptional team for the following position:</strong></span></p><p><span style=\"font-size: 14px; font-family: arial, sans-serif;\"><strong>Job Title:&nbsp;</strong>Commercial Credit Specialist</span><span style=\"font-family: arial, sans-serif; font-size: 14px;\"><br></span><span style=\"font-size: 14px; font-family: arial, sans-serif;\"><strong>Location:</strong> Main Office</span></p><p><span style=\"font-size: 14px;\" data-pasted=\"true\"><span data-pasted=\"true\" style=\"font-family: arial, sans-serif;\"><strong>Salary Range: <span style=\"background-color: rgba(255, 255, 255, 0);\" data-pasted=\"true\"><b style=\"color: rgb(74, 74, 74); font-family: ProximaNova, Arial, san-serif; font-size: 14px;\"><span style=\"font-size: 14px;\" data-pasted=\"true\"><strong><span data-pasted=\"true\"><strong>$22.89 To $30.69</strong></span></strong></span></b></span></strong></span></span><span style=\"font-family: arial, sans-serif; font-size: 14px;\"><br></span><span style=\"font-size: 14px;\"><span style=\"font-family: arial, sans-serif;\"><em>*Compensation for this position is commensurate with experience. The posted range is intended to provide a general estimate and does not guarantee a specific rate of pay.</em></span></span></p><p data-pasted=\"true\"><strong><u>Position Summary</u></strong><strong>:&nbsp;</strong>The Commercial Credit Specialist provides specialized support by servicing the needs of the Commercial Credit Department. This position performs a variety of routine daily tasks and participates in special projects.</p><p><strong><u>Essential Functions</u></strong><strong>:</strong></p><ol style=\"list-style-type: decimal;margin-left: -0.25in;\"><li>Consistently provides superior professional service to internal and external customers.</li><li>Consistently meets expectations of teamwork, punctuality, and regular, reliable attendance.</li><li>Self-directed workflow; effectively manages multiple activities and duties efficiently in a timely manner. Multi-tasks efficiently.</li><li>Responsible for the 1-4 family commercial appraisal process, from initial bid to appraisal report acceptance.&nbsp;</li><li>Track commercial real estate appraisals from bid to final report acceptance.</li><li>Maintain commercial financial statement tracking system, generate request letters, scan appropriate financial documentation to the Bank&rsquo;s loan operation system and create respective ticklers.</li><li>Input, track, and maintain loan covenants.&nbsp;</li><li>Track annual reviews, initiate risk rating adjustments, and maintain review dates.</li><li>Generate and mail covenant waiver letters. Work with Lenders to ensure the process is completed in a timely manner.</li><li>&nbsp;Gathers and uploads all relevant documents related to Borrowing Base tracking and confirms proper maintenance has been completed.&nbsp;</li><li>&nbsp;Reviews and prepares appraisal and credit invoices for approval by department management.</li><li>Possess a thorough understanding of the Approval Memorandum and Loan Documents necessary to determine and track loan covenants, create financial ticklers, and process annual reviews.</li><li>Provide support to all areas of the Commercial Lending Department as directed.</li><li>Complete monthly Watch List and TDR report.</li><li>Complete and respond in a timely manner to requests for credit reports.</li><li>Perform yearly analysis of the Exception Managed Portfolio to determine eligibility of loans and remove noncompliant loans accordingly.</li><li>Maintain proficiency in several essential programs, including LoanVantage, Identifi, Insight, and Microsoft Office.</li><li>Remains current on all Bank credit policies and existing laws and regulations.</li><li>Learn to analyze financial statements and cash flows to determine profitability, capital adequacy, liquidity, asset quality, and the ability to repay existing and proposed obligations.</li><li>Learn to spread financial statements and prepare and maintain financial spreads using department software.&nbsp;</li><li>Learn to perform personal cash flow analysis and personal financial statement analysis on individuals to determine liquidity, availability, and total liability.</li><li>Seeks to improve efficiency in Bank processes.</li><li>Deals effectively with others and functions as part of a team in a fast paced, frequently changing environment.</li></ol><p><strong><u>Other Responsibilities</u></strong><strong>:</strong> Assumes additional responsibilities, as requested.</p><p><strong><u>Education, Experience, and Skills Required</u></strong><strong>:</strong></p><p>The following skills, experience, or background are necessary (with or without accommodation) for this position.</p><ol style=\"list-style-type: decimal;margin-left: -0.25in;\"><li>Associate&rsquo;s degree or equivalent work-related experience in business, finance, accounting, or related field. Knowledge of basic accounting strongly preferred.</li><li>Accuracy and attention-to-detail are critical to this role.</li><li>Strong verbal and written communication skills.</li><li>A minimum of one-year of commercial banking experience strongly preferred.</li><li>Ability to manage time effectively, balance multiple projects at one time, and complete accurate work within established deadlines.</li><li>Strong PC knowledge.</li><li>Knowledge of LoanVantage operating system is a plus.</li></ol><p><strong><u>Physical Demands/Conditions Requirements</u></strong><strong>:</strong></p><ol style=\"list-style-type: decimal;margin-left: -0.25in;\"><li>General office environment.</li><li>Frequent use of computer.</li><li>Sits for an extended period.</li></ol><p><strong><u>Equipment Used</u></strong><strong>:</strong></p><ul style=\"list-style-type: disc;margin-left: -0.25in;\"><li>General office equipment.</li></ul><p>All employees handling customer accounts and transactions have a duty to report apparent suspicious activity and OFAC matches to the BSA Officer and the Security Officer.&nbsp;</p><p data-pasted=\"true\"><span style=\"font-size: 14px;\"><span style=\"color: rgb(45, 45, 45); font-family: arial, sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;\">Florence Bank is an </span></span><span style=\"font-family: arial, sans-serif; font-size: 14px;\">Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, pregnancy, genetic information, disability, status as a protected veteran, or any other protected category under applicable federal, state, and local laws.</span></p></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div>\n",
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