Summary:Under limited supervision, thispositionwill manageorderingandreviewing appraisals/environmental due diligence reports ranging in size and complexity,andunderstandingandindependently administratingthe construction loan fundingprocess. This position will participate in in-depth underwriting discussions with relationship managers and senior credit staff regarding real estate taken as collateral. EssentialFunctions:Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Bid orderandreviewmore complexappraisals/environmental due diligence reportstoensurethebank'scollateralpositionisprotected.
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.
Manageconstructionloansduringconstructionfundingphase, and maintain construction procedures. Orderandreviewconstructioninspectionreports, 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.
Maintainandmanageallconstructionloanprogressreports(includingescrowaccounts).
Support consumer collections as needed.
Maintainahighdegreeofprofessionalisminallactivities.
Complete other responsibilities as assigned.
RequiredEducationandExperience:
5-7ormoreyearsofloanexperience
Bachelor's degree in Accounting, Finance or business related field from an accredited college or university required.
Effective collaboration and resolution-oriented skills.
Strongunderstandingofindustrybestpracticesfororderingandreviewingappraisalsand evaluations
Proficientinunderstandingofcommercialloanstructure,collateralevaluationandloandocumentation
Excellentcommunicationskills.Thecandidatemustbeabletobuildrapportwithalllendingstaff
Strongoralandwrittencommunicationskills
Anabilitytoworkindependentlyandinateamenvironment
Abilitytoperformdutieswithminimaldirection
Independentlycompletetheresidential,commercialandagriculturalconstructionprocess
Competencies:
ENBFunctionalandOperationalCompetencies
Abilitytomaintainaprofessionaldemeanorinchallengingsituations
Ability to work independently
Supervisory Requirements:There are no supervisory responsibilities for this position.WorkEnvironment:Thisjoboperatesinaprofessionalofficeenvironment.Thisroleroutinelyusesstandardoffice equipment such as computers, phones, photocopiers, filing cabinets and fax machines.PhysicalDemands:Ephrata National Bank promotes an equal opportunity workplace, which includes reasonable accommodations of otherwise qualified disabled applicants and employees.The physical demands describedherearerepresentativeofthosethatmustbemetbyanemployeetosuccessfullyperform the essential functions of this job.Whileperformingthedutiesofthisjob,theemployeeisregularlyrequiredtotalkorhear. Thisposition 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:TherearenotravelrequirementsforthispositionEEO 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, sexualorientation,genderidentity,geneticinformationoranyotherprotectedcharacteristicapplicable under law. The bank complies with all relevant federal, state, and local laws, as well as, all regulations regarding nondiscrimination.Thisjobdescriptionreflectsmanagement'sassignmentofessentialfunctionsandpositionresponsibilities. 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.