Documentation Specialist

Hancock Whitney • Montgomery, AL

2d • Onsite

About The Position

Prepares loan documentation for any complex consumer or commercial purpose loan, in a multi-state environment. Analyzes loan request for loans of various complexity and prepares documentation in compliance with bank policy, federal and state regulations. Reviews application/approval for completeness, accuracy and proper approval. Produces documentation for all types of loans, ranging from simple consumer to real estate secured, to highly complex commercial loans. When applicable, uploads information from Salespro to Laser Pro and reviews for correctness/completeness. Ensures all required documentation is prepared 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 lender any issues affecting loan closing; identifies any legal, documentation or policy deficiencies and assists in correction of issues impacting closing. Reviews attorney prepared title work; identifies exceptions requiring removal (unpaid taxes, judgments, liens, lis pendens notices) and works with attorneys to ensure proper lien perfection. Places high degree of emphasis on providing outstanding customer service. Identifies “critical” exceptions in closed package. Monitors own work to ensure quality. Fills in for Supervisor during absences or in the distribution of work. Performs secondary loan review for others. 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. Ensures loan packages are produced timely, accurately and within accepted service levels. Mentors and provides training assistance to Documentation Analysts.

Requirements

• High school diploma or GED; Associate Degree in Business or a related field preferred
• 2-3 years loan-processing experience within a Commercial, Consumer, or Real Estate function.
• Knowledge of related Banking and Lending regulations
• Exhibits strong verbal and written communication skills
• Ability to communicate with a variety of audiences, to include multiple levels of management
• Possesses strong interpersonal and customer service skills and the ability to work well across teams
• Is a self-starter with strong organizational skills
• Has the ability to multi task and prioritize workload in a fast paced environment
• Possesses analytical, problem solving and conceptual skills
• Ability to formulate conclusions and recommend course of action based on analysis
• 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
• 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.

Nice To Haves

• Associate Degree in Business or a related field
• Certification in Banking Regulations (Reg. B, Reg. CC, Reg. O, Reg. Z)
• Certification in HMDA Compliance
• Certification in CRA, RESPA, RMR Regulations

Responsibilities

• Analyzes loan request for loans of various complexity and prepares documentation in compliance with bank policy, federal and state regulations.
• Reviews application/approval for completeness, accuracy and proper approval.
• Produces documentation for all types of loans, ranging from simple consumer to real estate secured, to highly complex commercial loans.
• Uploads information from Salespro to Laser Pro and reviews for correctness/completeness.
• Ensures all required documentation is prepared 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 lender any issues affecting loan closing; identifies any legal, documentation or policy deficiencies and assists in correction of issues impacting closing.
• Reviews attorney prepared title work; identifies exceptions requiring removal (unpaid taxes, judgments, liens, lis pendens notices) and works with attorneys to ensure proper lien perfection.
• Identifies “critical” exceptions in closed package.
• Monitors own work to ensure quality.
• Fills in for Supervisor during absences or in the distribution of work.
• Performs secondary loan review for others.
• 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.
• Ensures loan packages are produced timely, accurately and within accepted service levels.
• Mentors and provides training assistance to Documentation Analysts.

Benefits

• You can grow.
• You have a voice.
• You are important.

What This Job Offers

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