Duties and Responsibilities

Gather financials, other documentation, etc from prospects and existing customers needed to submit to underwriting.

Analyze loan packages and collateral files for completeness :

• proper loan approval
• compliance with internal policy and procedures, as well as applicable law,
• collateral perfection
• compliance regulation
• concerns relating to loan structure issues, documentation omissions or problems concerning the credit request

Input new loan requests in credit system and maintain the loan record throughout the loan process - terms of loan, collateral, borrowers/guarantors, upload supporting relationship and loan documentation, etc

Research and work with Relationship Managers to clear collateral and financial exceptions as necessary.

Assist Relationship Managers to manage their maturing loans report and help facilitate timely loan renewals.

Management of loan files and closings for new, renewed, modified loans :

• Order, review and analyze collateral and entity related due diligence per policy and guidelines to determine any present or potential risks; highlight all exceptions to be cleared prior to closing. Work with Relationship Managers to clear exceptions revealed on searches (i.e., existing liens; tax liens and judgments; title exceptions; etc.).
• Provide required compliance documents to customer in accordance to federal regulations and adherence to compliance policies.
• Schedule, coordinate title company closings; prepare closing instructions.
• Identify all exceptions and any missing documentation that needs to be obtained from the customer or waived in order to process and close the loan.
• Assist in coordination and review of attorney prepared documents for adherence to loan policy and the terms and conditions outlined in the loan approval.
• Review loans documents prior to closing.
• Perform pre-funding review of loan documents and loan file to determine if documents are fully executed and that all exception items have been resolved or appropriately waived; submit complete loan package for booking.
• Coordinate and request wires/checks for closing.
• Assist customers with loan advances, pay downs, payments, commercial loan questions/inquiries, deposit questions/transaction requests, wires, etc.

Education and Training

• Requires High School diploma; continued education preferred.
• Requires 2 or more years of related banking experience, commercial banking experience preferred.

Qualifications

Knowledge :

• Strong oral and written communication skills
• Strong organizational skills
• Time management

Ability :

• Multi-task and work independently
• Perform duties under frequent time pressures
• Complete work with frequent interruptions
• Handle difficult problems involving multiple facets and variables in non-standardized situations

EOE of Minorities, Females, Vets, Disability