Commercial Credit File Clerk - Premier Bank

Position Title: Commercial Credit File Clerk

Department: Commercial Loan Operations

Position Reports to: Commercial Quality Control Analysis Supervisor

Position Supervises: No Direct Reports

Premier Summary:

At Premier Bank, an affiliate of Premier Financial Corp., we’re Powered by People, and know that our success is directly tied to great work by our team members. Our employees are dedicated to our clients, communities and each other. We are committed to promoting inclusiveness, diversity and a sense of belonging throughout our organization. We provide competitive benefits, incentive compensation, paid time off that includes paid community service hours, flexible spending accounts, retirement programs, professional development, tuition assistance and so much more.  If you want to make a difference, choose to share your talents at Premier.

Position Summary: 

The Commercial Credit File Clerk is responsible for a variety of commercial department clerical duties and support functions.  This position will assist in obtaining items requested by internal and external auditors and customers. The file clerk will track financial documents and covenants using the Bank approved system and prepare a financial exception, covenant tracking and other required reports for all commercial loan files monthly, as well as on an as-needed basis. This position provides miscellaneous assistance within the Commercial Operations and Credit Administration departments as required. Demonstrate and implement our Trusted Advisor strategy to all internal and external customers.

Duties and Responsibilities:

• Communicates processes, collects, and organizes commercial credit file information upon request for internal and external auditors to the Commercial Quality Control Analysis Supervisor and/or Commercial Operations Manager

• Updates credit file information within CreditQuest and FCM

• Basic clerical duties related to loan processing, preparing, auditing, and finalizing forms or contracts

• Back-up to the Commercial Operations Administrative Assistant with officers loan committee and executive loan committee

• Financial tracking, which includes personal financial statements, interim statements, tax returns, K1’s, rent rolls, and any other financial document needed to complete a loan file

• Maintains and updates the monthly financial exceptions report for the lenders and lending assistants

• Creates and maintains financial tickler and covenant information within CreditQuest

• Demonstrates a positive reflection of the organization in public through their actions and behaviors

• Maintain and ensure compliance standards by complying with all bank policies and procedures.

• Completes other duties as assigned

Education, Certification, License and Experience:

• High school graduate or equivalent

• One year of professional office experience preferred, but not required

Skills and Knowledge:

●    Basic understanding of Word, Excel, Outlook, and related banking computer systems

●   Excellent interpersonal, communication and organizational skills.

●   Responsible for knowing and ensuring compliance with applicable laws, regulations and    guidelines, as detailed in policies that include but are not limited to Bank Secrecy Act and other applicable anti-money-laundering rules, Right to Financial Privacy, Fair Lending, Community Reinvestment Act, Gramm-Leach-Bliley Act, and other laws and regulations as they pertain to the position.

Work Environment:

This job operates in a professional office environment. Work is normally performed in a typical interior work environment which does not subject the employee to any hazardous or unpleasant elements. 

Physical Requirements:

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. While performing the duties of this job, the employee is regularly required to speak or hear, stand or sit for long periods of time, open filing cabinets, walk, stoop or bend, use hands to handle or feel and reach with hands and arms.   The employee must frequently lift and/or move up to 10 pounds, occasionally lift and/or move up to 25 pounds and complete tasks requiring manual dexterity. Ability to drive a vehicle for travel is required for the position.

Premier Financial Corp is an Affirmative Action and Equal Opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or any other legally protected status.

The above statements are intended to describe the essential functions of the job and the qualifications of the person assigned to it. They are not intended as an exhaustive list of all job duties, responsibilities and requirements. Duties, responsibilities and activities may change or new ones may be assigned at any time with or without notice. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This job description does not constitute a contract of employment. Employment is “at will” and may be terminated at any time.