Job Opportunities in United States

Responsibilities

Portfolio Management

• Manage a portfolio of loans, ensuring timely repayment in accordance with loan agreements.
• Monitor changes in borrower financial condition and take appropriate action to protect the organization’s interests.
• Develop and maintain strong relationships with customers, providing exceptional customer service throughout the loan process.
• Review requests for loan modifications, restructures, or cancellations and submit them to underwriting for approval.
• Generate reports on loan performance, delinquencies, collections, and other metrics. Monitor past due report and communicate with clients regarding payments.
• Manage loan documents, closings and renewals.
• Responsible for CRM database updates.
• Assists in the coordinating of opening deposit accounts prior to loan closing.
• Management of portfolio ticklers.
• Responsible for understanding and implementation closing policies and procedures funding policies, underwriting requirements, terminology, and processing systems.
• Manages workflow for portfolio, applying applicable credit policies and approval process.
• Coordinate any construction draws with Construction Department.
• Monitor credit risk in the portfolio and make recommendations on upgrades / downgrades.
• Proactively monitor Future Maturities report.
• Order appraisals and environmental reports as instructed by relationship lender.

Relationship Management

• Approaches each relationship opportunity with a project management lens, ensuring all needed parties are involved, meeting deadlines and collaborating effectively to execute. This includes proactive communication, collaboration and effective organization skills.
• Supports clients in person and over the phone with #People First customer service approach.
• Communicates proactively, sets reasonable expectations and executes on turnaround times.
• Liaison between relationship lender and BLSS team / loan operations. Collaborating and communicating effectively with the loan operations (BLSS, CLO) & credit underwriting teams.
• Attend Officer Loan Committee meetings.
• Attend loan approval meetings with / for relationship lender.
• Communicate with any participant lenders on information needed / requested.

Qualifications

• 2-4 years’ experience in commercial loan processing
• Bachelor’s degree in business, finance, sales or related field or equivalent experience.
• Ability to solve complex documentation needs and apply critical thinking.
• Knowledge of title insurance, federal and state laws and regulations governing loans
• Have thorough working knowledge of loan system, such as n Cino.
• Proficiency in Microsoft Office and loan servicing software
• Excellent communication, analytical, and problem-solving skills
• Ability to work independently and as part of a team

Culture Alignment

Choice is #People First, banking second.
People don’t need just another bank. People need to be supported by a team of trusted partners who will get to know them and their business, understand their challenges, discover their dreams, and recognize the success in bringing people and banking together in our communities.
In contributing to our culture, Choice team members are guided by our core values.

• Embrace change and encourage innovation.
• Know when to ask for help and know when to offer help.
• Better the places we live.
• Work hard. Do the right thing. Have a little fun.

Our vision of Diversity at Choice is supported by our #People First mission and our core values.
Being #People First means that Choice is committed to focusing attention and resources towards creating an environment where everyone feels respected and valued and can do their best work. Doing the right thing means encouraging employees to share their experiences and ideas, and to bring their whole authentic selves to work. Together, we can build an inclusive culture that seeks out, supports, and celebrates diverse voices. We can use our diversity to fuel creativity and innovation and bring us closer to our customers and the communities we serve. Be welcome at Choice. We can see you here.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)