PRIMARY PURPOSE OF JOB
Performs various clerical duties within the Credit Administration Department.
EXPECTATIONS OF ALL SOUTHERN BANK TEAM MEMBERS
Southern Bank team members are a family, rooted in the communities we serve and working together to be the best in our industry, utilizing innovative ideas and strong products. The Southern Bank Patch illustrates these ideals.
Ensures the confidentiality of customer non-public personal information and secures information systems to comply with bank regulations.
ESSENTIAL FUNCTIONS AND PERFORMANCE AREAS
Assists in all insurance related job activities. Some of these activities include calling insurance agencies to request updated insurance policies, sending letters to customers regarding missing insurance documents, and paying insurance bills for customers who have an escrow account.
Coordinates credit life claims and submits payments.
Coordinates force-placed claims and sends payments for force-placed policies.
Reviews flood coverage for new loans and coordinates tracking of flood insurance with CPI; sends paid loan report to ServiceLink to cancel life of loan monitoring.
Lien Perfection/Collateral Release
Files online required UCC's; renews as directed and imports to Precision.
Creates and maintains document tracking reports to ensure that the bank has received important documents such as the recorded deeds of trust/mortgage, final title policies, title liens, and UCC's.
Assists in processing collateral releases for all loan types.
Releases collateral in a timely manner; creates Collateral Release Authorization for loan officers' signatures.
Sends paid note and any other necessary documents to the customer.
Scans documentation of released collateral into the system.
Assists in the escrow function for the department. This function includes preparing reports and letters to send to county and city collectors requesting property tax information and then sending the payments for these taxes.
Maintains correct escrow amounts for taxes and insurance on Precision as well as assists in processing the annual escrow analysis statements.
Assists with maintenance of various loan accounts.
Assists with participation loans, including loading into core system and the posting of payments.
Orders appraisals for secondary market loans.
Assists with loan check-backs and loan payment reviews.
Assists with various other job duties as directed by the Credit Administration Officer or Senior Credit Administration Officer.
KNOWLEDGE, SKILLS AND ABILITIES
Good interpersonal communication and computer skills;
Good organizational skills; and,
Highly attentive to detail and able to multi-task in a fast-paced environment.
EDUCATION, TRAINING AND EXPERIENCE REQUIREMENTS
Building Trust Interacting with others in a way that gives them confidence in one's intentions and those of the organization.
Customer Focus Ensuring that the customer perspective is a driving force behind business decisions and activities; crafting and implementing service practices that meet customers' and own organization's needs.
Contributing to Team Success - Actively participating as a member of a team to move the team toward the completion of goals.
Adaptability Maintaining effectiveness when experiencing major changes in work responsibilities or environment; adjusting effectively to work within new work structures, processes, requirements, or cultures.
Engagement Readiness Demonstrating a willingness to commit to one's work and to invest one's time, talent, and best efforts in accomplishing organizational goals.
Managing Work (includes Time Management) Effectively managing one's time and resources to ensure that work is completed efficiently.
Quality Orientation Accomplishing tasks by considering all areas involved, no matter how small; showing concern for all aspects of the job; accurately checking process and tasks; being watchful over a period of time.
Southern Missouri Bancorp, Inc.