Consumer Loan Document Specialist II

Wilson Bank & Trust • Lebanon, TN

101d

About The Position

The Consumer Loan Document Specialist II prepares consumer loan documentation, coordinates with third-party vendors for appraisals, flood certifications, and title searches, and facilitates funding of loan proceeds. The role communicates with internal teams, processors, and vendors to support accurate and timely delivery of documentation, while verifying compliance with internal procedures, banking regulations, and audit standards. It reports to the Loan Development Manager and provides service and support in alignment with the company’s values and mission.

The position also supports process improvements, special projects, cross-training, professional development, regulatory compliance, and community activities. Other duties may be assigned.

Requirements

• High school diploma or GED.
• At least 3 years of experience in consumer lending, including loan processing, documentation, and funding.
• Knowledge of compliance requirements related to TRID disclosures.
• Knowledge of loan documentation requirements, lien perfection, and collateral verification.
• Experience working with third-party vendors such as appraisers, title companies, and flood certification providers.
• Strong understanding of consumer loan structures and funding protocols.
• Proficiency in Microsoft Office and loan processing systems.
• Experience with Windows-based file management, including using the desktop and saving and moving files.
• Attention to detail, critical-thinking ability, and problem-solving skills.
• High standards of integrity, honesty, professionalism, and work ethic; commitment to service excellence.
• Ability to work independently with strong organization and follow-through.
• Flexible and efficient time management, with the ability to prioritize work and meet deadlines in a fast-paced environment.
• Ability and willingness to work with purpose and urgency.
• Self-motivated, positive, and enthusiastic; a self-starter who strives to exceed expectations and supports a team.
• Ability to maintain confidentiality and discretion.
• Ability to interact with customers and employees in a friendly and professional manner.
• Ability to collaborate effectively with others to achieve business objectives.
• Willingness to grow and be challenged.
• Willingness to participate in outside community activities and work extended hours as needed.

Responsibilities

• Prepare consumer loan documentation and coordinate the ordering and tracking of appraisals, flood certifications, and title searches through third-party vendors.
• Communicate with internal teams, processors, and vendors to ensure timely and accurate delivery of required documentation.
• Verify loan documentation against credit approval, internal procedures, and regulatory requirements.
• Confirm pre-funding requirements are satisfied before loan closing.
• Identify and address documentation or funding discrepancies before closing.
• Facilitate funding management, including disbursement instructions, wire transfers, and post-funding documentation.
• Categorize and file documents electronically.
• Review vendor reports and certificates for completeness and alignment with loan policy.
• Identify and assist with implementing process improvements to enhance departmental accuracy and efficiency.
• Assist with special projects and cross-train with Consumer Loan Development team members.
• Maintain professional and technical knowledge through workshops, publications, networking, and professional associations.
• Attend training as requested.
• Comply with applicable federal banking regulations and laws, including consumer protection and the Bank Secrecy Act/Anti-Money Laundering Program.
• Participate in outside community activities as required.
• Perform other duties as assigned.

Benefits

• Generous ATO, personal days, and sick time.
• Ability to combine accrued time with short-term disability for 100% pay.
• Employee Assistance Program.
• Employee Care Fund.
• Peer-nominated award ceremonies and an interactive digital rewards platform.
• Employee Stock Purchase program.
• Development opportunities through mentorships, workshops, banking schools, and certifications.
• Banker Academy Program and opportunities to participate in School Bank.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED