Loan Operations Specialist (Closer)
American Pride Bank, Charlotte, NC, United States
The Commercial Loan Operations Specialist supports the end-to-end processing, closing, funding, boarding and servicing of commercial loans and Home Equity Lines of Credit in accordance with bank policies, regulatory requirements, and internal procedures. This role ensures accuracy, completeness, and compliance throughout the post-approval lifecycle of commercial credit transactions, including new loans, renewals, modifications, and payoffs. This role works closely with Relationship Managers, Credit Administration, Loan Operations team members, and customers to ensure timely, accurate, and compliant loan transactions.
This position requires strong attention to detail, responsiveness, and the ability to manage a broad variety of commercial credit types while providing high-touch service to commercial customers.
This is a full-time temporary position.
Key Responsibilities
Loan Processing & Documentation
Review approved commercial loan packages for completeness and adherence to credit approval terms. Prepare and review documentation for commercial real estate (CRE), commercial & industrial (C&I), construction loans, lines of credit, renewals, modifications and Home Equity Lines of Credit. Coordinate closing requirements with lenders, credit officers, attorneys, title companies, and customers. Order and track third-party reports (title, flood determinations, insurance). Ensure proper collateral perfection, including UCC filings, real estate recordings, and guarantor documentation. Loan Document Preparation, Closing & Funding
Clear pre-closing conditions and verify compliance with approval terms. Prepare commercial loan documentation packages and coordinate closings with Borrower, legal counsel and Team. Fund loans, advances, and construction draws in the core system. Balance and verify funding entries to ensure accuracy and internal control compliance. Book loans on core system and provide secondary review for loans booked by other Loan Operations teammates. Compliance & Risk Management
Ensure loan files meet internal policy standards and regulatory requirements. Maintain compliance with regulatory requirements (e.g., Reg B, Reg Z where applicable, BSA/AML guidelines). Confirm proper documentation retention and imaging in accordance with bank policies. Perform post-closing quality control reviews to ensure loan file integrity. Maintain documentation tracking and ticklers (insurance, financial statements, covenants). Assist with internal and external audits by providing complete and organized loan files. Identify and escalation documentation or compliance exceptions. Ongoing Loan Servicing Support
Process loan renewals, extensions, modifications, and annual reviews. Process loan payments including wire and batch payments. Prepare payoff quotes and coordinate lien releases. Update loan system data and maintain accurate records. Provide back-up support for other Loan Operations personnel which may include cross-training. Respond to internal and customer inquiries regarding loan transactions and payments. Maintain accurate loan data within the loan origination and servicing systems. Maintaining the highest level of confidentiality with all information obtained. Promoting the bank’s products and services. Representing the Bank in a manner that maintains and expands positive relations with all customer, potential customers and co-workers. Performing as a team member in allocating and coordinating the workflow. Contributing to the fulfillment of department and company objectives and goals. Complying with all department and company policies, procedures and regulations.
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Loan Processing & Documentation
Review approved commercial loan packages for completeness and adherence to credit approval terms. Prepare and review documentation for commercial real estate (CRE), commercial & industrial (C&I), construction loans, lines of credit, renewals, modifications and Home Equity Lines of Credit. Coordinate closing requirements with lenders, credit officers, attorneys, title companies, and customers. Order and track third-party reports (title, flood determinations, insurance). Ensure proper collateral perfection, including UCC filings, real estate recordings, and guarantor documentation. Loan Document Preparation, Closing & Funding
Clear pre-closing conditions and verify compliance with approval terms. Prepare commercial loan documentation packages and coordinate closings with Borrower, legal counsel and Team. Fund loans, advances, and construction draws in the core system. Balance and verify funding entries to ensure accuracy and internal control compliance. Book loans on core system and provide secondary review for loans booked by other Loan Operations teammates. Compliance & Risk Management
Ensure loan files meet internal policy standards and regulatory requirements. Maintain compliance with regulatory requirements (e.g., Reg B, Reg Z where applicable, BSA/AML guidelines). Confirm proper documentation retention and imaging in accordance with bank policies. Perform post-closing quality control reviews to ensure loan file integrity. Maintain documentation tracking and ticklers (insurance, financial statements, covenants). Assist with internal and external audits by providing complete and organized loan files. Identify and escalation documentation or compliance exceptions. Ongoing Loan Servicing Support
Process loan renewals, extensions, modifications, and annual reviews. Process loan payments including wire and batch payments. Prepare payoff quotes and coordinate lien releases. Update loan system data and maintain accurate records. Provide back-up support for other Loan Operations personnel which may include cross-training. Respond to internal and customer inquiries regarding loan transactions and payments. Maintain accurate loan data within the loan origination and servicing systems. Maintaining the highest level of confidentiality with all information obtained. Promoting the bank’s products and services. Representing the Bank in a manner that maintains and expands positive relations with all customer, potential customers and co-workers. Performing as a team member in allocating and coordinating the workflow. Contributing to the fulfillment of department and company objectives and goals. Complying with all department and company policies, procedures and regulations.
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