Commercial Lending Assistant

North Dallas Bank & Trust Co.; Plano (TX); On-site; USD 45,000 - 65,000; Full time

Job summary

North Dallas Bank & Trust Co. is seeking a Commercial Lending Assistant to support lenders in developing, originating, servicing, and maintaining client relationships in Plano, TX.

This role requires strong knowledge of real estate, commercial, and consumer loans and strict adherence to policies and regulations. You will manage daily loan-related activities, organize files, review collateral, coordinate closings, and ensure accurate documentation from application to funding, while promoting the

Qualifications

• Bachelor's or associate degree in Finance, Accounting, Business Administration, or related field.
• 3+ years of commercial lending or loan assistant experience.
• Experience with commercial real estate and C&I loans.
• Familiarity with loan documentation and closing coordination.
• Advanced Excel, Word, and Outlook proficiency.
• Notary registration preferred or must be willing to obtain.

Responsibilities

• Make daily NSF/OD decisions for accounts assigned to Loan Officer and contact customers as needed.
• Handle customer service needs for Loan Officer clients including transfers, line of credit advances, payments.
• Screen calls for Loan Officer and manage calendar appointments.
• Organize and maintain loan files for processing in an orderly fashion.
• Contact customers regarding past due loan payments.
• Review collateral and credit exceptions and clear them timely.
• Process loan files for underwriting, documentation and closing (disclosures, title, appraisals, flood determinations, closings).
• Coordinate closing times with title companies and borrowers.
• Prepare customers for closing including cash needs and insurance documents.
• Prepare loan worksheets for approvals and deliver loan docs to closing.
• Fund loan proceeds and reconcile fees.
• Prepare HMDA reporting on requisite loans.
• Deliver loan packages to Loan Operations for booking.
• Review and process construction loan advances.
• Stay current on lending laws and regulations.
• Promote bank products and services.

Skills

Excel

Notary

Loan docs

Communication

Relationship banking

Multitasking

Attention to detail

Education

Associate or Bachelor in Finance/Accounting/Business

Tools

CRM systems

Document management software

Job description

Overview

A Commercial Lending Assistant supports the Lenders with their role in developing, originating, servicing and maintaining bank customer relationships. The individual must command a sound understanding of the various policies, procedures and regulations as they relate to various real estate, commercial and consumer loans originated by the Bank. Performs various support duties pertinent to meeting the needs of customers and development of new business.

Responsibilities

• Decision daily NSF and OD activity for accounts assigned to Loan Officer including reviewing items, account activity and contacting the customer when necessary.


• Handle customer service needs for customers assigned to Loan Officer including account transfers, line of credit advances, payments and other account maintenance needs.


• Screen incoming phone calls for the Loan Officer and manage calendar appointment scheduling.


• Organize and maintain customer files for loans in process in an orderly fashion.


• Contact loan customers regarding past due loan payments.


• Review customer files for maturing loans and contact customers in advance of the maturities with requests for updated information required to process.


• Review collateral and credit exceptions on a regular basis and contact the customers and other parties required in order to clear those exceptions in a timely fashion.


• Process loan files to assist with loan underwriting, documentation and closing. Tasks include:
  
  
  
  • Preparing, reviewing and delivering loan disclosures.
  
  
  • Reviewing the file for additional information needed and communicating with the customer.
  
  
  • Ordering title insurance commitments and obtaining title company fees.
  
  
  • Ordering appraisals and appraisal reviews.
  
  
  • Ordering and reviewing flood determinations.
  
  
  • Coordinating closing times with title companies and loan customers.
  
  
  • Preparing customers for loan closing including informing them of cash needed for closing and documentation required such as evidence of hazard insurance.
  
  
  • Preparation of loan worksheets for loan approvals.
  
  
  • Ordering, reviewing and delivering loan documentation to loan closing including loan documents, closing instructions and closing disclosures.
  
  
  • Funding of the loan including distribution of loan proceeds and collection and proper accounting of fees and expenses.
  
  
  • Prepare HMDA reporting on requisite loans.
  
  
  • Compiling and delivering the loan package to Loan Operations for booking.
  
  
  
  


• Review and process construction loan advances.


• Remain current on all pertinent consumer lending and other financial institution related laws and regulations.


• Promote Bank products and services.

Qualifications

• Associate’s or Bachelor’s degree in Finance, Accounting, Business Administration, or related field preferred.


• 3+ years of commercial lending or loan assistant experience, with exposure to:
  
  
  
  • Commercial & industrial (C&I) loans
  
  
  
  
  
  
  • Commercial real estate (CRE) lending
  
  
  
  
  
  
  • Consumer and small business lending
  
  
  
  


• Minimum of 2 years banking experience a customer facing role.


• Experience supporting multiple loan officers or a lending team


• Familiarity with loan documentation, underwriting packages, and closing coordination


• Strong understanding of:
  
  
  
  • Loan documentation and compliance requirements
  
  
  
  
  
  
  • Credit analysis basics and financial statements
  
  
  
  
  
  
  • Lending regulations (state, federal, and bank policy)
  
  
  
  


• Ability to review and interpret loan agreements and financial documents


• Advanced proficiency in Microsoft Excel, Word, Outlook / Teams


• Knowledge of Contact Management systems, Database software.


• Notary Registration - must be willing to obtain and maintain notary licensing.

Preferred Skills & Attributes

• Exceptional organization and file management


• Ability to manage high-volume pipelines with competing deadlines


• Strong follow-through and task ownership


• Precision in maintaining loan files and documentation


• High level of accuracy in documentation and data entry


• Ability to catch discrepancies in:
  
  
  
  • Financials
  
  
  
  
  
  
  • Loan terms
  
  
  
  
  
  
  • Compliance items
  
  
  
  


• Strong Communication Skills


• Professional, polished communication


• Ability to explain basic loan processes to clients


• Clear and concise written communication


• Commitment to relationship banking


• Ability to build trust with borrowers


• Ability to resolve issues with loan documentation or closing delays


• Comfortable juggling multiple loans at different stages, urgent closing timelines


• Strong sense of confidentiality and professionalism


• Trusted with sensitive financial and customer information


• Willingness to step in and support team workload as needed


• Anticipates lender needs, proactively prepares loan packages and documents


• Takes ownership of the loan process from application to closing support


• Strong alignment with values: Integrity, Responsiveness, Service

Location: (on-site) in Plano, TX on Preston Rd at Lorimar Dr

About NDBT:

We have a great team of friendly, talented, and inspiring people at NDBT. We take pride in offering opportunities for employees to grow and follow their passions, while providing a great work-life balance as well as job stability. Founded in 1961, NDBT has a long-standing reputation in the community and strives to provide excellent customer service to our customers and communities. NDBT leadership and employees foster and contribute to our environment of mutual respect, accountability, creativity, and teamwork; and at all times to act with integrity, dignity, honor, and fairness.

North Dallas Bank and Trust is an Equal opportunity employer. This company considers candidates regardless of race, color, religion, sex, sexual orientation, gender identity, national origin, disability or veteran status.