Loan Document Specialist II - Consumer
First United Bank and Trust, Durant, OK, United States
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SUMMARY The Consumer Loan Document Supervisor is primarily responsible for overseeing the documentation of consumer loans and related daily functions and processes. Responsibilities for this role include providing timely and accurate due diligence and loan documentation, ensuring adherence to credit policy, laws and regulations, and lien perfection.
MAJOR DUTIES AND RESPONSIBILITIES (ESSENTIAL FUNCTIONS)
Prepare consumer loan documents within the bank's portfolio to ensure adherence to lending regulations, lending compliance, and the bank's credit policy.
Coach and guide employees on best practices for documentation processing, regulatory compliance, and efficient production of documents.
Seek immediate resolution and clarification on outstanding documentation issues with Sales, Credit and/or Legal.
Solicit opinions and coordinate reviews with legal counsel. Implement disclosures and other regulatory requirements as instructed by legal and compliance.
Work directly with Manager to establish streamlined processes and clear performance standards for the staff.
Measure team members and track performance to determined standards.
Cross‑train staff and continue to enhance internal processes to maximize productivity and quality standards.
Process all consumer loan modification requests, including checking file for check‑in & preparing documentation; renewal, deferral, modification.
Process and complete all consumer denial/fallout applications.
Provide support to Loan Officers/Lending Team to process the loan according to established policies, procedures and regulatory guidelines.
Ensure compliance with regulatory issues including but not limited to TRID, RESPA, FDPA, HMDA, HPML, and Regulation B.
Assist management in the preparation for and during audits and exams.
ADDITIONAL DUTIES AND RESPONSIBILITIES
Supervise assigned staff providing services to community banks to ensure Service Level Agreements and quality standards are met.
Provide coaching, counseling and discipline as appropriate.
Ensure appropriate scheduling for work group.
Evaluate work group's productivity.
Participate in recruiting, hiring & training.
Provide leadership and support to assigned work group and other loan operations staff members when appropriate.
Maintain a customer‑centric approach and manage large volumes of documentation requests while maintaining a high level of accuracy and quick turnaround.
Maintain an essential understanding of bank‑wide origination and credit approval process while establishing priorities based on the strategic and tactical directions of the bank.
Serve as the subject‑matter expert and key representative for assigned work group.
Participate as requested on enterprise initiatives related to new products and services to ensure successful transition for loan operations.
Develop successor for assigned area of expertise and responsibilities.
Maintain awareness of industry trends in regards to consumer originations.
Handle internal customer complaints and elevate issues to Manager as needed.
Recommend possible methods to improve department to Manager.
Complete all required compliance exams on a yearly basis.
Adhere to all First United Policies and Procedures.
Dress professionally.
Perform other duties as assigned by Manager.
EMPLOYEE SPECIFICATIONS To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education and Work Experience
High school diploma or GED required but preferred Associates or Higher.
Strong understanding of financial institution products and services.
Minimum 3 to 5 years of progressive experience in Banking/Financial Services.
Minimum two years of hands‑on experience with preparing or reviewing loan documentation, preferably consumer loans.
Technical/Functional Competencies
Conduct oneself with the highest levels of professionalism and personal integrity at all times with a constant awareness of how individual behavior reflects on the department and the organization as a whole.
Relationship management skills necessary to build relationships across business, operations and credit.
Exhibit excellent leadership, process management, conflict management, consensus building, communication, analytical and decision‑making skills.
Proven team‑building, mentoring, training and coaching skills.
Ability to work in fast‑paced environment, handle multiple tasks and prioritize work.
Ability to deal effectively and tactfully with personnel from other departments.
Excellent time management, organizational skills, and critical thinking skills.
Laser Pro or other documentation software experience required.
Jack Henry or similar loan accounting system experience preferred but not required.
Excellent use of Microsoft Word and Excel preferred.
Strong understanding of loans and loan products.
Ability to initiate tasks and projects with little or no supervision.
Exceptional customer service skills.
Ability to communicate well with internal customers by all means of communication including written, verbal, and non‑verbal communication.
NOTE: This job description is not intended to be all-inclusive. Employee may perform other related duties as assigned by supervisor to meet the ongoing needs of the organization.
If any applicant is unable to complete an application or respond to a job opening because of a disability, please email us at HR@firstunitedbank.com for assistance.
First United is an Equal Opportunity Employer. To the extent required by Federal or State law, First United does not discriminate in employment opportunities or practices on the basis of race, color, religion, sex, national origin, or any other characteristic protected by law.
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SUMMARY The Consumer Loan Document Supervisor is primarily responsible for overseeing the documentation of consumer loans and related daily functions and processes. Responsibilities for this role include providing timely and accurate due diligence and loan documentation, ensuring adherence to credit policy, laws and regulations, and lien perfection.
MAJOR DUTIES AND RESPONSIBILITIES (ESSENTIAL FUNCTIONS)
Prepare consumer loan documents within the bank's portfolio to ensure adherence to lending regulations, lending compliance, and the bank's credit policy.
Coach and guide employees on best practices for documentation processing, regulatory compliance, and efficient production of documents.
Seek immediate resolution and clarification on outstanding documentation issues with Sales, Credit and/or Legal.
Solicit opinions and coordinate reviews with legal counsel. Implement disclosures and other regulatory requirements as instructed by legal and compliance.
Work directly with Manager to establish streamlined processes and clear performance standards for the staff.
Measure team members and track performance to determined standards.
Cross‑train staff and continue to enhance internal processes to maximize productivity and quality standards.
Process all consumer loan modification requests, including checking file for check‑in & preparing documentation; renewal, deferral, modification.
Process and complete all consumer denial/fallout applications.
Provide support to Loan Officers/Lending Team to process the loan according to established policies, procedures and regulatory guidelines.
Ensure compliance with regulatory issues including but not limited to TRID, RESPA, FDPA, HMDA, HPML, and Regulation B.
Assist management in the preparation for and during audits and exams.
ADDITIONAL DUTIES AND RESPONSIBILITIES
Supervise assigned staff providing services to community banks to ensure Service Level Agreements and quality standards are met.
Provide coaching, counseling and discipline as appropriate.
Ensure appropriate scheduling for work group.
Evaluate work group's productivity.
Participate in recruiting, hiring & training.
Provide leadership and support to assigned work group and other loan operations staff members when appropriate.
Maintain a customer‑centric approach and manage large volumes of documentation requests while maintaining a high level of accuracy and quick turnaround.
Maintain an essential understanding of bank‑wide origination and credit approval process while establishing priorities based on the strategic and tactical directions of the bank.
Serve as the subject‑matter expert and key representative for assigned work group.
Participate as requested on enterprise initiatives related to new products and services to ensure successful transition for loan operations.
Develop successor for assigned area of expertise and responsibilities.
Maintain awareness of industry trends in regards to consumer originations.
Handle internal customer complaints and elevate issues to Manager as needed.
Recommend possible methods to improve department to Manager.
Complete all required compliance exams on a yearly basis.
Adhere to all First United Policies and Procedures.
Dress professionally.
Perform other duties as assigned by Manager.
EMPLOYEE SPECIFICATIONS To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education and Work Experience
High school diploma or GED required but preferred Associates or Higher.
Strong understanding of financial institution products and services.
Minimum 3 to 5 years of progressive experience in Banking/Financial Services.
Minimum two years of hands‑on experience with preparing or reviewing loan documentation, preferably consumer loans.
Technical/Functional Competencies
Conduct oneself with the highest levels of professionalism and personal integrity at all times with a constant awareness of how individual behavior reflects on the department and the organization as a whole.
Relationship management skills necessary to build relationships across business, operations and credit.
Exhibit excellent leadership, process management, conflict management, consensus building, communication, analytical and decision‑making skills.
Proven team‑building, mentoring, training and coaching skills.
Ability to work in fast‑paced environment, handle multiple tasks and prioritize work.
Ability to deal effectively and tactfully with personnel from other departments.
Excellent time management, organizational skills, and critical thinking skills.
Laser Pro or other documentation software experience required.
Jack Henry or similar loan accounting system experience preferred but not required.
Excellent use of Microsoft Word and Excel preferred.
Strong understanding of loans and loan products.
Ability to initiate tasks and projects with little or no supervision.
Exceptional customer service skills.
Ability to communicate well with internal customers by all means of communication including written, verbal, and non‑verbal communication.
NOTE: This job description is not intended to be all-inclusive. Employee may perform other related duties as assigned by supervisor to meet the ongoing needs of the organization.
If any applicant is unable to complete an application or respond to a job opening because of a disability, please email us at HR@firstunitedbank.com for assistance.
First United is an Equal Opportunity Employer. To the extent required by Federal or State law, First United does not discriminate in employment opportunities or practices on the basis of race, color, religion, sex, national origin, or any other characteristic protected by law.
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