Collateral Record Specialist 2
Hancock Whitney, Montgomery, AL, United States
JOB FUNCTION / SUMMARY:
Responsible for the Lien Perfection and Insurance Tracking to secure the Bank's collateral timely and accurately and works with the local and state governments to ensure all recordings are filed properly; verifies that all insurances and funding requirements are met and ensures compliance with the Sarbanes Oxley Act.
ESSENTIAL DUTIES & RESPONSIBILITIES:
Tracks all flood insurance policies to comply with the federal flood requirements, force placing insurance when necessary
Review all vehicle title applications for completeness and research any title problems.
Prepares and files all post-closing UCC searches.
Corresponds with customers and insurance agents to verify insurance coverage is of the correct amount and is valid.
Monitors risk management by working UCC and Mortgage/Deed reports for filing continuations, re‑inscriptions and modifications timely
All other duties/special projects as assigned.
Incumbent is required to comply with all applicable federal, state, and local banking and industry related laws and regulations including but not limited to the Bank Secrecy Act.
SUPERVISORY RESPONSIBILITIES: None
MINIMUM REQUIRED EDUCATION, EXPERIENCE & KNOWLEDGE:
Associate Degree or equivalent
2 years related experience and/or training
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
Certification in CRA, RESPA, RMR Regulations
Must be a documentation expert
Must possess a complete understanding of all state and federal requirements for loans
Must have full knowledge of all regulatory requirements
Must have full knowledge of the loan process and procedure
Loan documentation knowledge of consumer, commercial and real estate loans
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
Proficient operation of Microsoft Office Products such as Word and Excel
Excellent verbal and written communication skills in order to communicate effectively
Must be able to establish and maintain a high level of credibility with all levels of internal and external customers.
Detail oriented.
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 20 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.
#J-18808-Ljbffr
ESSENTIAL DUTIES & RESPONSIBILITIES:
Tracks all flood insurance policies to comply with the federal flood requirements, force placing insurance when necessary
Review all vehicle title applications for completeness and research any title problems.
Prepares and files all post-closing UCC searches.
Corresponds with customers and insurance agents to verify insurance coverage is of the correct amount and is valid.
Monitors risk management by working UCC and Mortgage/Deed reports for filing continuations, re‑inscriptions and modifications timely
All other duties/special projects as assigned.
Incumbent is required to comply with all applicable federal, state, and local banking and industry related laws and regulations including but not limited to the Bank Secrecy Act.
SUPERVISORY RESPONSIBILITIES: None
MINIMUM REQUIRED EDUCATION, EXPERIENCE & KNOWLEDGE:
Associate Degree or equivalent
2 years related experience and/or training
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
Certification in CRA, RESPA, RMR Regulations
Must be a documentation expert
Must possess a complete understanding of all state and federal requirements for loans
Must have full knowledge of all regulatory requirements
Must have full knowledge of the loan process and procedure
Loan documentation knowledge of consumer, commercial and real estate loans
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
Proficient operation of Microsoft Office Products such as Word and Excel
Excellent verbal and written communication skills in order to communicate effectively
Must be able to establish and maintain a high level of credibility with all levels of internal and external customers.
Detail oriented.
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 20 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.
#J-18808-Ljbffr