Commercial Credit Assistant

QNB Bank; Quakertown, Northern (Bucks County, KY); Hybrid; USD 45,000 - 65,000; Full time

Job summary

QNB Bank in Quakertown, PA is seeking a Credit & Lending Administrative Specialist to support loan processing, file maintenance, and reporting. The role focuses on organizing credit documents, tracking loan presentations, and ensuring compliance with policies.

You will work with lending staff to prepare committee materials, perform data entry, and generate monthly reports, requiring proficiency in Word and Excel and strong interpersonal communication.

Qualifications

• Must have a high school diploma.
• Proficient in various computer applications, including Microsoft Word and Excel.
• Interpersonal skills to represent QNB in a positive manner when dealing with internal and external customers.

Responsibilities

• Performs written, oral, and/or faxed credit references for customers and ensures transmission to authorized individuals while complying with ethics standards.
• Assists Lending and Credit personnel with account verification and payment history.
• Obtains credit information from credit bureaus and reports as requested.
• Prepares and maintains credit files for new/existing commercial borrowers and files documentation daily.
• Keeps credit files organized with necessary documentation and completes credit file checklists.
• Manages materials for Loan Committee and Board Loan Committee meetings and archives final packages.
• Tracks financial information on commercial relationships and maintains a list of loans needing presentations.
• Prepares and distributes Monthly Exceptions Reports and Credit Expiration Reports.
• Distributes all other information as requested and provides backup support for credit staff.
• Assists in developing new procedures to enhance efficiency.

Skills

Interpersonal skills

Microsoft Word proficiency

Microsoft Excel proficiency

Education

High school diploma

Tools

Microsoft Word

Microsoft Excel

Job description

GENERAL DUTIES AND RESPONSIBILITIES:

1. Performs written, oral, and/or faxed credit references for all customers, as requested, whether in-house or external, and ensures that they are transmitted only to authorized individuals and businesses. Ensure compliance with RMA's "Code of Ethics" with respect to the formal exchange of credit information.
2. Assists all Lending and Credit personnel with account verification and payment history.
3. Obtains credit information from consumer credit bureaus, Dun & Bradstreet Reports, UCC searches, and/or other financial information, as requested.
4. Responsible for preparing and maintaining all credit files for new/existing commercial borrowers as required by policy and procedure. This includes the filing of all pertinent documentation on a daily basis.
5. Ensures that all credit files are organized with the necessary documentation to support the borrowing relationships. This includes the completion of credit file checklists.
6. Manages the completion and distribution of all materials for Loan Committee and Board Loan Committee meetings and archives all final Committee packages.
7. Tracking and collection of financial information on new and existing commercial relationships. Tracks loan presentations and maintains an active list of loans, which need to have a loan presentation prepared. Tracks line of credit/line of commitment expirations.
8. Preparation and distribution of Monthly Exceptions Reports.
9. Prepares and distributes monthly Link Reports (including loan & deposit reports) and Credit Expiration Reports.
10. Distributes all other information, as requested.
11. Provides backup and support for all credit and commercial lending personnel.
12. Assists in developing new procedures that enhance efficiency.
13. Completes assigned compliance training in a timely manner and demonstrates ability to apply training to their duties and responsibilities.
14. Assumes other job-related duties as requested.

REQUIRED TRAINING, EXPERIENCE AND EDUCATION:

1. Must have a high school diploma.
2. Must be proficient in various computer applications, including Microsoft Word and Excel.
3. Interpersonal skills to represent QNB in a positive manner when dealing with internal and external customers.