Lending Specialist 2
About The Position
The Lending Specialist provides prompt, high-quality customer service while collaborating across multiple branches and with regional lending personnel. The role performs loan processing, documentation, servicing, and portfolio-management functions. It verifies borrower information, reviews complex entity documents and approval authorities, manages due diligence requests, prepares and reviews loan worksheets and documents, supports loan closings, maintains electronic files, and tracks post-closing portfolio items. The position also responds to customer inquiries, maintains an active Notary Commission, and performs notary services as needed. The role must comply with applicable banking laws and regulations, internal policies, and security procedures. It is classified as non-sensitive and is not subject to the annual minimum absence requirement. It is not eligible for an Officer Title. The listed non-exempt hourly compensation range is $26.50–$41.50 (Salary Grade 18); placement depends on relevant qualifications and other stated factors.
Requirements
- High school diploma or equivalent.
- Active Notary Commission.
- Knowledge of BSA, FCRA, and FDIC insurance.
- Knowledge of Regulations B, BB, CC, DD, E, H, X, and Z.
- Knowledge of loan products and loan documentation, new-account procedures, general banking operations, complaint documentation and resolution, privacy and customer-data protection, safe deposit box procedures, security and robbery response protocols, and UCC filings and searches.
- Strong foundational mathematics and analytical skills.
- Critical thinking, sound judgment, and problem-solving abilities.
- Strong customer service and client-support skills.
- Proficiency in Microsoft Office Suite, including Excel, Word, and Outlook.
- Accurate and efficient typing and data-entry skills.
- Strong time-management and organizational abilities.
- Active listening skills and ability to learn new processes quickly.
- Effective written and verbal communication skills.
- Professional interpersonal skills and ability to collaborate respectfully with supervisors and colleagues.
- Ability to remain calm and professional when managing difficult or upset individuals.
- Ability to assess client concerns, resolve issues independently, and escalate appropriately when needed.
- Ability to perform repetitive office and computer-based movements; sit and/or stand for extended periods; lift, carry, or move objects up to 25 pounds; and operate standard office equipment, with or without reasonable accommodation.
Nice To Haves
- Up to 1 year of commercial loan processing experience or equivalent is preferred.
Responsibilities
- Verify and assess borrower information and supporting documentation during the loan application process.
- Identify, investigate, and resolve discrepancies in loan origination and servicing with minimal supervisory oversight.
- Review complex organizational and entity documentation to determine authorized signers and validate approval authorities.
- Ensure compliance with Customer Identification Program (CIP) and Customer Due Diligence (CDD) requirements.
- Initiate and manage orders for appraisals, credit reports, UCC searches, and other underwriting due diligence items.
- Prepare loan worksheets for approval, coordinate document preparation, and review loan documents for accuracy and completeness.
- Compile and manage closing documentation, facilitate loan signings, and support smooth loan closings.
- Maintain and organize electronic loan files in Laserfiche in accordance with internal standards.
- Support loan officers with portfolio management by tracking post-closing items and loan maturities and collecting annual financial statements.
- Provide regional support to additional branches as assigned by the Regional Lending Specialist Coordinator.
- Follow applicable federal and state regulations, internal policies, and bank security procedures.
- Collaborate with cross-functional departments to support timely and accurate loan processing.
- Maintain an active Notary Commission and perform notary services as required.
- Participate in lending training, team meetings, and process-improvement efforts.
- Comply with applicable banking laws, regulations, and internal policies, including BSA, AML, OFAC, CIP, financial elder abuse reporting, harassment prevention, information security, and privacy requirements.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
Education Level
High school or GED
