Credit Services Representative I
First Commonwealth Bank

Indiana, Pennsylvania


Responsible for mortgage processing of portfolio loans, confirming loans, construction and PHFA loans; closing coordination processing, packaging and delivering, processing uploading to systems, closing coordination with attorneys and settlement companies and reviewing post closing packages and reports.

Essential Job Responsibilities__________________________________

1. Performs a variety of tasks for the process of supporting the credit servicing function of which the following are illustrative:

a. Provides credit reports to appropriate customer service personnel on prospective borrowers within proper procedure.

b. Assists with loan application processing tasks, e.g., obtains required information, compiles data, etc., as directed.

c. Coordinates the organization and procurement of required loan documentation, utilizes the appropriate checklist.

d. Creates a separate loan file for each credit in accordance with prescribed operating policy.

e. Verifies and processes a wide variety of credit information which will become part of the credit file, e.g., insurances, forms, etc.

f. Maintains required information and notifies appropriate personnel of credit information deficiencies as appropriate.

g. Dispenses credit information within prescribed policy.

h. Provides information for, and assists in the preparation of, various loan reports as directed.

i. Assists in the ongoing process of documenting required collateral and monitoring collateral control records; reports deficiencies to supervisor.

j. Prepares a variety of letters and forms such as commitment letters, adverse action letters for declined loans, etc.; calculates estimated payments; types optional insurance disclosure and acknowledgment forms and verification of deposit and verification of employment forms.

k. Prepares and maintains files and records relating to assigned loans.

l. Maintains a current knowledge of bank products and their features and benefits.

m. Identifies and suggests bank products/services to customers as opportunities occur; refers persons to proper person/department as needed.

n. Maintains a number of activity logs to generate weekly or monthly reports.

o. Balances and reconciles selected credit accounts as directed.

2. Supports the organization's commitment to ongoing quality service enhancement by participating in multi-disciplined guidance and project teams, as appropriate.

3. Complies with regulations and laws relating to the function of the position.

4. Responds to inquiries relating to his/her particular area, or to the requests from customers, other bank personnel, etc., within given time frames and within established policy.

5. Supports the organization's commitment to ongoing quality service enhancement by participating in multi-disciplined guidance and project teams, as appropriate.

6. Abides by current laws and organizational policies and procedures designed and implemented to promote an environment, which is free of harassment and other forms of illegal discriminatory behavior in the workplace.

7. Conducts all business affairs, both personally and as a representative of the organization according to the high ethical and professional standards established by FCFC and the banking affiliate Board of Directors, and according to the approved Conflict of Interest/Business Ethics Policy.

8. Cooperates with, participates in, and supports adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness.

9. Cooperates with, participates in, and supports the company's compliance with all regulatory requirements, e.g. Community Reinvestment Act (CRA), Equal Credit Opportunity Act, etc.

10. Assumes responsibility for assisting in his/her professional development; adheres to the guidelines and targets established within his/her Performance Assessments.

11. Coordinates specific work tasks with other personnel within the unit or department as well as with other units and departments in order to insure the smooth and efficient flow of information.

12. Other job-related duties as assigned or directed.

Bona Fide Occupational Qualifications___________________________

1. Must have a high school diploma or equivalent.

2. Minimum of two (2) years related experience is required.

3. Proficient mathematics skills; knowledge of computer systems such as LaserPro, CIF, Word, Excel, Grow systems, mainframe, and Loan Prospector.

4. Moderate interpersonal relations; moderate typing skills; moderate report writing and analytical skills and supervisory skills sufficient to provide training.

5. Ability to comply with established budgets and operate within budgetary constraints.

6. May be eligible for Telecommuting.


Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)



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