First Financial Bank

Commercial Underwriter

• Build proficiency in underwriting and complete the underwriting process from beginning to end.
• Underwrite increasingly complex commercial relationships to determine the creditworthiness of applicants.
• Perform financial analysis and risk assessment for the commercial credit portfolio.
• Review commercial loan applications and analyze credit information to assess creditworthiness.
• Determine whether proposed loans conform to the Bank’s lending policy.
• Provide feedback to Sales and Credit teams regarding loan structure, underwriting, and management.
• Maintain ongoing communication with management on the status of transactions.
• Work with relationship managers and portfolio managers during the underwriting process.
• Complete accurate Credit Memos for presentation to credit authorities for decision-making.

Commercial Underwriter II

General

• Perform reviews of appraisal and evaluation reports for all property types and value levels to ensure that market values developed for financially related transactions are reasonably supported, credible and compliant with federal and state regulations, USPAP, FIRREA, bank appraisal policies/procedures, and industry standards.
• Manage the valuation process effectively from end to end, including engagement and communication with vendors to ensure timely delivery of the report; as well as, to resolve discrepancies and obtain revisions as needed, and acting as liaison for all communication between vendors and the bank.
• Responsible for assisting management and team accomplish department goals.
• Achieve and maintain a satisfactory level of department turn-around times, per the department’s service level agreement with the lines of business.
• Responsible for adhering to SOX controls for appraisals and, along with management, meet with various bank executives and lines of business leadership in Sales, Credit, Compliance, Legal, Credit Risk, Audit and federal examiners as may be applicable.
• Assist and train other team members and provide support in the review process.
• Assist with development and implementation of departmental procedures.
• Assist with drafting standards for Credit Policy relative to appraisals as required per Inter Agency Guidelines

Senior Appraisal Review Officer

Administration

• Process loan transactions: Perform clerical duties to support mortgage loan processing and servicing activities.
• Prepare loan files: Organize and prepare mortgage files for imaging and record retention.
• Generate payoff statements: Prepare and deliver accurate payoff information for mortgage loans.
• Support payments and ACH: Assist with loan payment posting, ACH setup, and ACH removals.
• Manage communications: Monitor servicing email inboxes and respond to internal and external inquiries.
• Handle transactions: Process incoming wires and support loan boarding activities.
• Maintain records: Ensure accurate documentation and organization of departmental records.
• Support the team: Provide backup support for other mortgage servicing functions as needed.

Loan Administration Specialist

Accounting Manager

• Reconcile accounts, post journal entries, and maintain general ledger
• Collect financial information and assist controller in preparing reports
• Assist with close process and monthly account reconciliations
• Manage credit cards and reconcile monthly statements