Loan Administrator
About The Position
SmartBank is seeking a detail-oriented and customer-focused Loan Administrator to support lenders throughout the loan lifecycle, from application and approval through closing and post-closing activities. This role is ideal for someone who thrives in a fast-paced environment, enjoys building relationships with clients, and takes pride in ensuring loan documentation and compliance requirements are completed accurately and efficiently. As a Loan Administrator, you'll play a key role in delivering exceptional client service while supporting the growth of our lending portfolio and maintaining the highest standards of regulatory compliance.
Requirements
- High School Diploma or equivalent required.
- Exceptional customer service and relationship-building skills.
- Strong organizational and time-management abilities.
- Ability to manage multiple priorities in a fast-paced environment.
- Strong attention to detail and commitment to accuracy.
- Excellent verbal and written communication skills.
- Proficiency with Microsoft Office applications, including Word, Excel, and Outlook.
- Ability to work independently while collaborating effectively within a team.
- High degree of professionalism, integrity, and discretion when handling confidential information.
- Flexibility and adaptability in a changing environment.
- Consistent and reliable attendance.
Nice To Haves
- Knowledge of lending operations, loan documentation, and banking regulations is preferred.
Responsibilities
- Embodying SmartBank's Core Values and Core Purpose.
- Follow and embrace the SmartBank Way
- Partner with lenders to coordinate all aspects of the loan process.
- Meet with clients to gather information, discuss banking needs, and assist with loan applications.
- Identify opportunities to introduce clients to additional SmartBank products and services.
- Obtain and verify customer information, including CIP, OFAC, Red Flag, and other regulatory requirements.
- Assist with daily client communication, including loan inquiries, NSF follow-ups, and letters of credit renewals.
- Prepare loan approval documentation and assist with loan committee packages.
- Gather and review supporting documentation, including: Credit reports, Flood determinations, Title opinions and title policies, Insurance documentation
- Coordinate appraisals and communicate with internal teams and third-party vendors.
- Review loan documentation prepared internally or by legal counsel.
- Schedule, coordinate, and attend loan closings as needed.
- Manage loan disbursements and finalize loan packages for booking.
- Administer a loan portfolio.
- Monitor and track outstanding documentation, exceptions, and post-closing requirements.
- Obtain updated financial information and insurance documentation for existing loans.
- Support HMDA reporting requirements and ensure data accuracy.
- Assist with participation loans by coordinating agreements, documentation, and funding activities.
- Prepare files for denied, withdrawn, or incomplete loan applications and coordinate adverse action processing.
- Ensure adherence to SmartBank policies and all applicable banking regulations, including the Bank Secrecy Act (BSA).
- Answer, screen, and direct calls for assigned lenders.
- Assist with expense reporting, pipeline management, and sales reporting.
- Participate in community outreach and relationship-building events throughout the year.
- Perform additional duties as assigned.
Benefits
- medical insurance
- dental insurance
- vision insurance
- life insurance
- disability insurance
- 401(k) plan with a 4% employer match
- generous paid time off (PTO)
- SmartFlex Days
- 11 Paid Company Holidays
- paid community involvement
- company apparel
- tuition reimbursement
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
High school or GED
