JOB FUNCTION / SUMMARY:
Prepares loan documentation for any complex consumer or commercial purpose loan, in a multi-state environment.
ESSENTIAL DUTIES & RESPONSIBILITIES:
Analyzes requests for loans of the highest complexity and prepares documentation in compliance with bank policy, federal, and state regulations
Coordinates best practice guidelines with current knowledge of multiple state and federal lending laws and regulations, and bank policy.
Reviews application/approval for completeness, accuracy, and proper approval.
Can produce documentation for all types of loans, ranging from simple consumer, to real estate secured, but specializes in and is responsible for loans of the highest complexity.
When applicable, uploads information from Salespro to Laser Pro and reviews for correctness/completeness.
Ensures all required documentation is prepared/obtained to properly perfect the bank's lien and that all documentation requirements are met, to include titles, UCC's, mortgages, deeds, and title commitments.
Coordinates with outside vendors, attorney, etc. as necessary to obtain documentation.
Reviews real estate title work to identify existing exceptions; coordinates with attorney, banker, and customer to achieve resolution.
Communicates to banker any issues affecting loan closing; identifies any legal, documentation, or policy deficiencies and assists in correction of issues impacting closing.
Requires little to no supervision.
Monitors own work to ensure quality.
Ensures loan packages are produced timely, accurately, and within accepted service levels.
Places high degree of emphasis on providing outstanding customer service; accepts nothing less.
Identifies "critical" exceptions in closed package; assists in resolution, as applicable.
Mentors Documentation Analysts 1 & 2.
Responsible for formal and informal training and cross training of department associates.
Tests disaster recovery capabilities.
Reviews and documents current Lending Services processes and procedures.
Develops training materials and procedure communications in conjunction with Manager.
Facilitates communication between business units.
Initiates imaging process by setting requirements for loans in Info-Access.
Utilizes intranet-based DAC Tracking tool to track productivity and workflow; reviews daily reports to self-manage work in progress.
Fills in for Supervisor during absences or in the distribution of work.
Serves as backup for team during absences, meeting deadlines, or completing assignments.
Performs secondary loan review for others.
Conducts unit meetings.
SUPERVISORY RESPONSIBILITIES: None
MINIMUM REQUIRED EDUCATION, EXPERIENCE & KNOWLEDGE:
High school diploma or GED; Associate Degree in Business or a related field preferred
3-4 years loan-processing experience within a Commercial, Consumer, or Real Estate function
Knowledge of related Banking and Lending regulations
No certification, licensure or registrations are required to successfully apply for this job; however, the following certifications from Hancock Bank's Computer Based Training (CBT) are required, if applicable, once in this position: Certification in Banking Regulations (Reg. B, Reg. CC, Reg. O, Reg. Z), Certification in HMDA Compliance, and Certification in CRA, RESPA, RMR Regulations
Excellent verbal and written communication skills
Ability to communicate with a variety of audiences and multiple levels of management
Strong interpersonal and customer service skills and the ability to work well across teams
Self-starter with strong organizational skills
Ability to multi task and prioritize workload in a fast paced environment
Strong analytical, problem solving and conceptual skills
Ability to formulate sound conclusions and recommend optimal course of action based on analysis
Overall knowledge of bank operations and procedures with specific concentration on lending processes
Ability to apply conceptual intent of loan transactions to practical situations
Understanding of lending software
Complete familiarity of all area documents, their purpose, and requirements for proper completion
Loan documentation knowledge of consumer, commercial and real estate loans
Knowledge of loan policy and procedure
Knowledge of federal compliance laws and those in the applicable states
Ability to work independently with little supervision
Ability to manage several projects simultaneously
Ability to make decisions independently
ESSENTIAL MENTAL & PHYSICAL REQUIREMENTS:
Ability to work under stress and meet deadlines
Ability to operate a keyboard if required to perform the essential job functions
Ability to read and interpret a document if required to perform the essential job functions
Ability to travel if required to perform the essential job functions
Ability to lift/move/carry approximately 10 pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division an "undue hardship" then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement.
Equal Opportunity/Affirmative Action Employers. All qualified applicants will receive consideration for employment without regard to race, color, religious beliefs, national origin, ancestry, citizenship, sex, gender, sexual orientation, gender identity, marital status, age, physical or mental disability or history of disability, genetic information, status as a protected veteran, disabled veteran, or other protected characteristics as required by federal, state and local laws.
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ESSENTIAL DUTIES & RESPONSIBILITIES:
Analyzes requests for loans of the highest complexity and prepares documentation in compliance with bank policy, federal, and state regulations
Coordinates best practice guidelines with current knowledge of multiple state and federal lending laws and regulations, and bank policy.
Reviews application/approval for completeness, accuracy, and proper approval.
Can produce documentation for all types of loans, ranging from simple consumer, to real estate secured, but specializes in and is responsible for loans of the highest complexity.
When applicable, uploads information from Salespro to Laser Pro and reviews for correctness/completeness.
Ensures all required documentation is prepared/obtained to properly perfect the bank's lien and that all documentation requirements are met, to include titles, UCC's, mortgages, deeds, and title commitments.
Coordinates with outside vendors, attorney, etc. as necessary to obtain documentation.
Reviews real estate title work to identify existing exceptions; coordinates with attorney, banker, and customer to achieve resolution.
Communicates to banker any issues affecting loan closing; identifies any legal, documentation, or policy deficiencies and assists in correction of issues impacting closing.
Requires little to no supervision.
Monitors own work to ensure quality.
Ensures loan packages are produced timely, accurately, and within accepted service levels.
Places high degree of emphasis on providing outstanding customer service; accepts nothing less.
Identifies "critical" exceptions in closed package; assists in resolution, as applicable.
Mentors Documentation Analysts 1 & 2.
Responsible for formal and informal training and cross training of department associates.
Tests disaster recovery capabilities.
Reviews and documents current Lending Services processes and procedures.
Develops training materials and procedure communications in conjunction with Manager.
Facilitates communication between business units.
Initiates imaging process by setting requirements for loans in Info-Access.
Utilizes intranet-based DAC Tracking tool to track productivity and workflow; reviews daily reports to self-manage work in progress.
Fills in for Supervisor during absences or in the distribution of work.
Serves as backup for team during absences, meeting deadlines, or completing assignments.
Performs secondary loan review for others.
Conducts unit meetings.
SUPERVISORY RESPONSIBILITIES: None
MINIMUM REQUIRED EDUCATION, EXPERIENCE & KNOWLEDGE:
High school diploma or GED; Associate Degree in Business or a related field preferred
3-4 years loan-processing experience within a Commercial, Consumer, or Real Estate function
Knowledge of related Banking and Lending regulations
No certification, licensure or registrations are required to successfully apply for this job; however, the following certifications from Hancock Bank's Computer Based Training (CBT) are required, if applicable, once in this position: Certification in Banking Regulations (Reg. B, Reg. CC, Reg. O, Reg. Z), Certification in HMDA Compliance, and Certification in CRA, RESPA, RMR Regulations
Excellent verbal and written communication skills
Ability to communicate with a variety of audiences and multiple levels of management
Strong interpersonal and customer service skills and the ability to work well across teams
Self-starter with strong organizational skills
Ability to multi task and prioritize workload in a fast paced environment
Strong analytical, problem solving and conceptual skills
Ability to formulate sound conclusions and recommend optimal course of action based on analysis
Overall knowledge of bank operations and procedures with specific concentration on lending processes
Ability to apply conceptual intent of loan transactions to practical situations
Understanding of lending software
Complete familiarity of all area documents, their purpose, and requirements for proper completion
Loan documentation knowledge of consumer, commercial and real estate loans
Knowledge of loan policy and procedure
Knowledge of federal compliance laws and those in the applicable states
Ability to work independently with little supervision
Ability to manage several projects simultaneously
Ability to make decisions independently
ESSENTIAL MENTAL & PHYSICAL REQUIREMENTS:
Ability to work under stress and meet deadlines
Ability to operate a keyboard if required to perform the essential job functions
Ability to read and interpret a document if required to perform the essential job functions
Ability to travel if required to perform the essential job functions
Ability to lift/move/carry approximately 10 pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division an "undue hardship" then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement.
Equal Opportunity/Affirmative Action Employers. All qualified applicants will receive consideration for employment without regard to race, color, religious beliefs, national origin, ancestry, citizenship, sex, gender, sexual orientation, gender identity, marital status, age, physical or mental disability or history of disability, genetic information, status as a protected veteran, disabled veteran, or other protected characteristics as required by federal, state and local laws.
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