About Community Bankshares Inc.

Community Bankshares, Inc. is a dynamic company that is revolutionizing the financial landscape via its support for America’s businesses. As a mission-focused company, we are redefining how lending capital is provided across the nation and its territories in ways that promote business stability and encourage local area prosperity.  In doing so, we foster economic growth, job creation and retention, and community strength. Through our subsidiary partners, Community Bank & Trust – West Georgia, Thomas Financial Group and Phoenix Lender Services, we deliver an ever-expanding suite of financial services and expertise. From advanced lending strategies and support services to community-focused banking solutions, we empower businesses, individuals, and underserved markets with the capital and other tools they need to succeed. With a steadfast commitment to collaboration, trust, and innovation, we are reshaping the future of lending in this country while promoting economic vibrancy and helping reinvigorate the places where people live, work, raise families, and do life together.

Community Bankshares, Inc. – Building stronger businesses, thriving communities, and a brighter future for all.

Position Summary:

The position of Commercial Loan Assistant is responsible for gathering credit information on current and potential 
borrowers; assists loan officers in writing loan requests; assists the Loan Manager/Supervisor with frequent report 
monitoring/preparation, facilitates line/loan advances and pay downs in coordination with credit admin staff, handles 
customer inquiries, communicates with Title companies and other vendors, conducts loan closings as needed with loan officer direction, promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services.

Job Duties/Responsibilities:

• Assists loan officers in gathering data from loan prospects, customers, internal and outside sources; prepares 
  spreadsheets; contacts customers and prospects for additional information and clarification of data. 
• Compiles data from credit bureaus and conducts industry peer comparisons upon request. 
• Assists loan officers in coordinating processing of approved loans and pending loans; ensures loans are processed according to agreement (such as covenant tracking), customer needs, and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans. 
• Informs loan officers when up-to-date financial statements are needed for commercial accounts; ensures credit inquires and UCC filings are reviewed to determine credit worthiness and appropriate collateral positioning are achieved. 
• Assist loan officers in the review and renewal of credit facilities; provides back-up support. 
• Checks pledged assets as requested by loan officers. 
• Assists with monitoring and prioritizing of the loan review function. 
• May represent the Bank in various community, civic, and community reinvestment functions to further enhance 
  the Bank’s image and develop additional business. 
• Reinforces the application of superior customer service through his or her own example along with appropriate 
  follow through with involved customers and employees. 
• Assists in providing deposit and loan account ratings for loan officers as needed. 
• Operates computer terminal or personal computer to obtain and process data. 
• Understand and comply with Bank Secrecy Act and Anti-Money Laundering Policies and Procedures as 
  appropriate.
• Confidently embody the values of CBT.
• Represent Community Bankshares Inc and/or its subsidiaries in the community and at community events as 
  appropriate. 
• Perform all other duties as assigned.

 
Required Skills/Abilities:

• Basic knowledge of commercial, construction, real estate and consumer loan processing, tracking and 
  documentation. 
• Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures.
• Basic knowledge of related state and federal loan regulations and other Bank lending policies.
• Ability to communicate effectively in writing and verbally. 
• Demonstrated excellence in working with peer teams across organizations. 
• Proficiency in using Microsoft Office Suite and banking software programs and platforms.

Education and Experience:

• College degree preferred.
• Three (3) years’ experience.

Physical Demands and Work Environment: 

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions. While performing the duties of this position, the employee is regularly required to talk or hear. The noise level in the work environment is usually moderate. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. The employee frequently is required to use hands or finger, handle, or feel objects, tools, or controls. The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Onsite work environments are climate controlled.
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Note:
We are an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, pregnancy, age, national origin, disability status, genetic information, protected veteran status, or any other characteristic protected by law.
This job description is not designed to cover or contain a comprehensive list of activities, duties, or responsibilities that are required of the employee. They may change, or new ones may be assigned at any time with or without notice. Employees will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments. All duties and responsibilities are essential functions and requirements and are subject to possible modification to reasonably accommodate individuals with 
disabilities. To perform this job successfully, the incumbents will possess the skills, aptitudes, and abilities to perform each duty proficiently. Some requirements may exclude individuals who pose a direct threat or significant risk to the health or safety of themselves or others. The requirements listed in this document are the minimum levels of knowledge, skills, or abilities. This document does not create an employment contract, implied or otherwise, other than an “at-will” relationship.