Commercial Loan Closer (Branch Paralender)

Responsible for preparing
loan packages based on receipt of loan worksheets and commitment letters from
commercial and retail bankers.
Preparation includes accurately completing loan documentation, ordering
and reviewing appraisals, verifying insurance coverage, ordering and/or
completing additional external documents (e.g., flood, Census Tract, Secretary
of State, etc).

* Demonstrate proficiency in analyzing and interpreting
loan requests and documents of varying degrees of complexity. Consumer and commercial loan requests include
various collateral, new loans, renewals with increases and modification
agreements.

* Interpret and apply Bank policies such as
loan-to-value ratio, appraisal criteria, etc to loans.

* Order and review loan documentation and notify
commercial banker and retail bankers of any identified problems and issues.

* Assist commercial and retail bankers with clearing
collateral and financial statement exceptions.

* Exhibit a working knowledge of general lending
policies and practices.

* Prepare system-generated loan documents accurately
based on information supplied by commercial and retail bankers (e.g. loan
worksheet, commitment letter, loan report, etc).

* Reconcile the construction inspection fees general
ledger monthly.

* Prepare month end reports for commercial bankers using
system generated information.

* Identify insurance policies accurately (e.g., hazard,
collision, builders risk, workers comp, general liability, flood, etc.) and
review policies to confirm adequate coverage for loan.

* Prepare and send wires and various Bank tickets to
accompany loan packages.

* Complete Documentation Checklist indicating received
items and items that are pending, missing, incomplete and/or questionable. Includes reviewing executed loan documents
received from closing attorneys as relates to clearing collateral exceptions.

* Partner with commercial bankers, retail bankers and
centralized paralenders to ensure that loan process is smooth and to resolve
documentation and timing issues as necessary.

* Maintain customer service focus on internal and
external customers to encourage positive business relationships.

* Stay abreast of regulatory and compliance issues that
impact credit decisions and loan documentation including Fair Lending, HMDA,
Credit Life, and Wolters Kluwer Financial Services resources. Follow bank policies and procedures, security
guidelines, and comply with all federal, state and local regulations.

* Demonstrate working knowledge of all Bank loan
products and services.

* High school diploma or equivalent and 5 years related
experience; or an equivalent combination of education and experience.

* Effective oral and written communication skills.

* Ability to maintain professional focus.

* Ability to compute basic to moderately complex math
calculations.

* Proven problem-solving, critical thinking, and
analytical skills. Ability to interpret
a variety of information furnished in written, oral, diagram, or schedule form.

* Exhibit attention to detail and accuracy.

* Proficiency in using personal computers and office
products (e.g., Word, Excel).

* Excellent customer service and interpersonal skills.

* Strong organizational and time management skills. Ability to prioritize.

* Demonstrate willingness and desire to interact in a
team environment.