Consumer Client Specialist
Required skills
- loan documentation
- loan files
- loan renewal
- compliance
- Credit Policy
- financial data
- past due
- criticized assets
- maturing loan lists
- construction loan disbursements
Nice to have
- moderate complexity loans
- diplomatic manner
- translate essential details
Role summary
The Consumer Client Specialist provides support to bankers by servicing, maintaining, and updating loan documentation and files. This role involves significant interaction with internal and external customers, requiring excellent customer service and proactive communication skills. Key responsibilities include managing loan volumes, coordinating loan documentation, resolving exceptions, managing outstanding items for compliance with Credit Policy, and assisting bankers with client relationships and financial data. The position also involves monitoring reports for potential issues and coordinating with various bank departments. Some markets may require retail support such as opening new accounts.
It's fun to work in a company where people truly BELIEVE in what they're doing!
We're committed to bringing passion and customer focus to the business.
The Consumer Client Specialist position provides support to the company’s bankers by servicing, maintaining and updating loan documentation and loan files. The position requires substantial interaction with new and current bank customers, both internal and external. This position also requires excellent customer service skills along with proactive communication abilities.
Essential Duties and Responsibilities
- Ability to manage moderate to high volume and/or complexity of loans consistently and regularly in an efficient manner.
- Coordinate the preparation of required loan documentation; review documentation for compliance with documentation requirements; coordinate the execution of loan documents; organize workflow for loan renewal; follow up with clients, insurance agents, Title Company and/ or attorney for missing loan documentation as necessary.
- Responsible for resolving exceptions or any other documentation deficiencies along with actively managing outstanding exception items for compliance with Credit Policy. Ensure proper reporting and compliance for the bank.
- Work closely with the assigned banker to assist in collecting financial data and client phone/email communication to better manage the overall client relationship. Other client related services include wires, NSF accounts and overdrafts.
- Responsible for monitoring reports such as past due, paid off loans, criticized assets, and maturing loan lists to assist and proactively inform banker of potential or pending issues along with providing support to minimize administrative issues such client past dues.
- When needed, coordinate with Portfolio Manager and CCFG to facilitate funding of construction loan disbursements in accordance with bank policy.
- Promote an outstanding customer experience by exemplifying prompt follow-up and proactive internal/external customer communication, proper etiquette, and all other professional customer service qualities to maximize the most out of the client relationships.
- Solid partnership with all ancillary departments within the bank to include the Loan Admin group, CIS, Loan Review, Special Assets, Bank Card, and Consumer Special Services.
- In certain markets, provide retail support for customers such as opening new accounts and performing account maintenance.
- Performs other duties and responsibilities as assigned.
Qualifications
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.
Skills
- Ability to read, write, analyze and comprehend simple instructions, routine business correspondence, financial reports and/or legal documents.
- Ability to read and interpret documents such as procedure manuals, general business correspondence and/or journals or government regulations.
- Ability to manage problematic situations in a diplomatic manner.
- Moderate understanding of loan documentation, credit policy and banking regulation
- Moderate understanding of financial statements and their interpretations with ability to translate the essential details to the appropriate business partner.
- Moderate understanding of HMDA, CRA Community Development, and CRA Small Business Revenue
- In certain markets, moderate understanding and communication ability of the bank’s retail services and processes.
Education and/or Experience
- HS Diploma/GED required
- 2-4 years’ loan experience required
Computer Skills
- MS Office programs
- Moderate understanding of the bank’s operating systems to include Lending Cycle, Argo, and Synergy or relative prior experience with similar operating systems
Certificates, Licenses, Registrations
- None
Other Qualifications (including physical requirements)
- Self-starter, ability to work independently.
- Demonstrate the ability to be proactive in judgment, multi-task, and be punctual and timely in performing tasks.
Skills Training:
- Communication
- Customer Service
- Time Management
- Critical Thinking
- Organizational Practices
Other
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Activities, duties and responsibilities may change at any time with or without notice.
Equal Employment Opportunity Information: Simmons First National Corporation and its subsidiaries are committed to a policy of equal employment with respect to a person's race, color, religion, sex, ancestry, sexual orientation, gender identity, national origin, covered veterans, military status, physical or mental disability or any other legally protected classifications.
