Loan Support Documentation – Generalist

Farmers Trust & Savings Bank
March 22, 2020
Spencer, IA
Job Type


Farmers Bank provides competitive wages along with great benefits. We have been in the Spencer community for over a century helping people achieve their dreams and goals. Working at Farmers Bank you will have the opportunity to make a difference in the community!

The duties will include, but not be limited to, support to all Commercial, Ag and Real Estate Loan Officers. They will perform various support duties pertinent to meeting the needs of our customers.


$14.00 - $17.00 per hour


Competitive pay, generous PTO, 401K vesting and profit sharing, medical, dental and vision insurance, great work-life balance






JOB TITLE:                 Loan Support Documentation (General)

DEPARTMENT:          Loan

REPORTS TO:            Loan Operations Supervisor

FT/PT:                         F/T Non-Exempt

DATE REVIEWED:     March 2020



The duties will include, but not be limited to, support to all Commercial, Ag and Real Estate Loan Officers.  They will perform various support duties pertinent to meeting the needs of our customers.

They will also be expected to build and maintain relationships with customers by creating good rapport and providing on-going support regarding products and services. They should promote an environment where the banking needs of current and prospective customers are consistently met in accordance with bank policy and regulatory requirements.






Actively Contribute to Farmers Bank Continuous Improvement

  1. Contribute to a positive team environment by cooperatively working with other department team members and bank personnel.


Customer Service and Product Support and Duties


Demonstrate Outstanding Customer Service

  1. Demonstrate outstanding customer service by effectively helping customers achieve their financial goals that model our Core Values.
  2. Responsible to adhere to all policies and procedures established at Farmers Bank.
  3. Responsible to adhere to all banking regulations.
  4. Participate in appropriate training that would enhance your knowledge and skills in your position.
  5. Communicate effectively with customers and inspire confidence that you are knowledgeable and trustworthy to handle a customer’s financial needs and requests.
  6. Build customer loyalty and respect through friendly and courteous service addressing each customer by name and addressing any questions or problems in a timely manner.
  7. Maintain the security and confidentiality of customer information.
  8. Participate in bank-sponsored events and training as required.
  9. Assist with any related task as requested, needed or assigned.


Primary Duties


  1. Check back extensions, modifications, participation payments, and other loan maintenance previously completed by co-workers for accuracy and data entry errors.
  2. Check Back all Credit Card Balancing and Maintenance.
  3. Track all Commercial, Ag and Installment Insurance
  4. Contact parties outside the bank as required, i.e.: county officials and insurance agents acting on behalf of the bank.
  5. Pull credit Reports and Flood Certificates
  6. Handle phone calls and research requests for loan customers.
  7. Responsible for filing Commercial and Ag loan documentation once scanned by our E-Service’s Department.


Secondary Duties


  1. Backup for processing Business Manager payments.
  2. Backup for processing all inhouse payments/advances for all inhouse loans, sold loans, and participation loans.
  3. Backup for floor plan payments and new floor plans.
  4. Backup for processing UMB and Fed spreadsheet.
  5. Backup for monitoring and updating Commercial, Ag, and Participation Loan credit displays and credit line changes.
  6. Backup for all documentation for Commercial, Ag, and Instalment Loans.
  7. Backup for booking and funding Commercial, Ag, Installment, and Participation Loans.
  8. Backup for processing participation payments and advances.
  9. Monitor all spreadsheets associated with the Loan Department.
  10. Backup for ordering appraisals requests.
  11. Backup for annually purging of all loan documentation according to the record retention book.
  12. Backup to prepare mortgage releases.
  13. Backup for processing all UCC filing and monitoring.
  14. Backup for mailing paid notes to customers upon payoff processing any lien releases necessary.
  15. Backup for assisting with processing consumer loan applications.
  16. Backup for process APR win on all installment loans.
  17. Prepare loan closing documents for loan officers as requested.
  18. Backup for ordering coupon books when loan payments are specified for that payment arrangement.
  19. Backup for input new loans onto Xperience system.
  20. Backup for processing daily reports, payment notices, advances, past dues, and etc.
  21. Backup for processing Cure Notices and Loan Denial Notices when requested.
  22. Daily balancing of our General Ledger Reports in relationship to the loan department.
  23. Backup for processing new loan check back put into Xperience system previously completed by co-workers to check for accuracy and any data entry error.
  24. Back up for inputting extensions, modifications, and other loan maintenance.
  25. Backup for process loan draw requests and payments.
  26. Backup for process and track all UCC filing, titles, UCC’s, insurance and any other documents needed to complete the file.
  27. Backup for maintaining a tickler system for all missing loan documentation such as titles, insurance for installment loans and UCC’s.
  28. Backup for Monthly review Credit Reporting duties.
  29. Backup for process loan charge off’s and non-accrual requests.



Other Responsibilities


  1. Be alert to cross sell other bank products when opportunities arise to assist customers.
  2. Participate in outside civic activities that enhance the bank, personal growth, and the community.
  3. Remain current on all banking regulations tied to the job duties.
  4. Responsible for loss prevention and security efforts per this position.
  5. All other duties as assigned.



Completion of a high school degree or equivalent to a high school diploma.  Prior banking experience demonstrating proficiency performing job duties is preferred, but not required.  Preferably possessing 3-5 years of banking experience preferred but not required.



Technical Skills:

Requires a basic understanding of how to operate basic Microsoft PC software and be knowledgeable about Microsoft Word and Excel.  Must be competent in internet usage and can use the PC to gather information from core systems. Solid understanding of all banking products and terminologies is helpful.  Possess good typing and written communication skills.

Customer Service:

Must understand the role of customer service in a community bank and financial services environment.  Respond sensitively to the needs and priorities of the customer (both internal and external); recognize and take the appropriate action to meet their needs; cooperate in establishing an effective working relationship with customers to gain their respect and loyalty.


Able to handle multiple tasks and meet required deadlines.  This position requires strong organizational skills as well as good verbal and written communication skills.  Must be a good listener and able to follow directions.  Must handle all customer and company information in a confidential manner. Be punctual in the job responsibilities. Attention to detail when completing financial transactions, resolving problems and completing basic math calculations is required, such as subtract, addition, multiply and division.  Proficient in using whole numbers, fractions and decimals is helpful. Possessing strong organizational skills and time management will be required.

Sound judgement in decision making when considering cost and benefit of potential actions is desired.


Able to adjust quickly to different work situations; remain composed under pressure and in stressful situations.  Must exercise independent judgment under moderate supervision.



Must be able to work in a team environment and possess the desire to be a team player.


Employees are required to adhere to all company policies including, but not limited to, Code of Ethics policy for personal conduct, confidentiality, conflicts of interest, outside activities, and reports of misconduct.


The job description in no way states or implies that these are the only duties to be performed by the employee occupying this position.  Employees will be required to follow any other job-related duties required by their supervisor.


All requirements are subject to possible modification to reasonably accommodate individuals with disabilities.



The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.


While performing the duties of the job, the employee is regularly required to talk and hear.  The employee is frequently required to stand and walk; sit; use hands to finger, handle, or feel objects, tools, or controls; and reach with hands and arms.


The employee must occasionally lift or move up to 10 pounds and occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision and the ability to adjust focus.



The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.  The noise level in the work environment is usually moderate.  This position is exposed to the potentially hazardous condition of a bank robbery.  The employee receives detailed instructions and procedures to be followed which help minimize the risks involved in case of a robbery.



I have read and understand this job description. I confirm that I can meet the job requirements and can perform the duties as stated in this position.  (If applicable) I request an accommodation to enable me to perform the function of ___________________.


Employee Signature _______________________________________________________


Date ___________________________________________________________________


Supervisor Signature ______________________________________________________


Date ___________________________________________________________________


Job description subject to change at any time at the discretion of management


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