Campus Pride Jobs

Summary:

Under limited supervision, this position will manage ordering and reviewing appraisals/environmental due diligence reports ranging in size and complexity, and understanding and independently administrating the construction loan funding process.   This position will participate in in-depth underwriting discussions with relationship managers and senior credit staff regarding real estate taken as collateral.  

Essential Functions:

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Bid order and review more complex appraisals/environmental due diligence reports to ensure the bank's collateral position is protected.
• Ensure regulatory and bank policy compliance.
• Render opinions on the quality and reliability of appraisals/environmental due diligence reports per policy and provide opinions as of the quality of those reports.
• Provide high-quality consultation to CLC and RM's on CRE transactions, so the lending group can make informed and prudent lending decisions.
• Manage construction loans during construction funding phase, and maintain construction procedures. Order and review construction inspection reports, and administer construction loan disbursements.
• Manage approved appraiser list and make recommendations on what appraisers are used.
• May make recommendations to the Real Estate Appraisal Policy or the Environmental Risk Policy.
• Maintain and manage all construction loan progress reports (including escrow accounts).
• Support consumer collections as needed.
• Maintain a high degree of professionalism in all activities.
• Complete other responsibilities as assigned.

Required Education and Experience:

• 5-7 or more years of loan experience
• Bachelor's degree in Accounting, Finance or business related field from an accredited college or university required.
• Effective collaboration and resolution-oriented skills.
• Strong understanding of industry best practices for ordering and reviewing appraisals and evaluations
• Proficient in understanding of commercial loan structure, collateral evaluation and loan documentation
• Excellent communication skills. The candidate must be able to build rapport with all lending staff
• Strong oral and written communication skills
• An ability to work independently and in a team environment
• Ability to perform duties with minimal direction
• Independently complete the residential, commercial and agricultural construction process

Competencies:

• ENB Functional and Operational Competencies
• Ability to maintain a professional demeanor in challenging situations
• Ability to work independently

Supervisory Requirements:

There are no supervisory responsibilities for this position.

Work Environment:

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

Physical Demands:

Ephrata National Bank promotes an equal opportunity workplace, which includes reasonable accommodations of otherwise qualified disabled applicants and employees. 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 talk or hear. This position frequently requires standing, walking, use of hands to finger, handle or feel; reaching with hands and arms and requires the ability to occasionally lift office products and supplies up to 10 pounds.

Position Type and Expected Hours of Work:

This is a full-time position. Days and hours of work are Monday through Friday, 8:00 a.m. to 5 p.m. Flexibility of schedule to meet business needs is required.

 Travel:

There are no travel requirements for this position

 EEO Statement:

Ephrat National Bank supports a diverse workforce and is an Equal Opportunity Employer. It is the policy of Ephrata National Bank to provide equal employment opportunities without regard to race, ethnicity, color, religion, sex, national origin, age, disability, marital status, covered veteran status, sexual orientation, gender identity, genetic information or any other protected characteristic applicable under law. The bank complies with all relevant federal, state, and local laws, as well as, all regulations regarding nondiscrimination.

This job description reflects management's assignment of essential functions and position

responsibilities. Nothing in this job description restricts management's rights to assign or reassign duties and responsibilities to this job at any time. The employee is expected to adhere to all of Ephrata National Bank's procedures and to act as a role model in the adherence to the banks polices.