Hancock Whitney
Service Area Post Closing Specialist
Hancock Whitney, Montgomery, Alabama, United States, 36136
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JOB FUNCTION / SUMMARY:
Reviews/analyzes loan documentation and sets requirements in document tracking software for consumer or non-complex commercial purpose loans, in a multi-state environment.
ESSENTIAL DUTIES & RESPONSIBILITIES:
Reviews/analyzes closed loan documents for commercial or retail clients and sets documentation tracking requirements for commercial loans (commercial real estate loans, equipment loans, construction loans) or consumer loans (residential real estate loans.including those subject to RESPA and the related Early Disclosures, Home Equity Lines of Credit, construction loans, titled loans, CD/Savings secured loans, Stock/Money Market/Annuity secured loans, etc.), excluding the most complex loan types, in compliance with bank policy, federal and state regulations.Reviews application/loan credit package for completeness, accuracy and proper approval.Ensures all due diligence was performed and required documentation 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 Documentation Specialists, Bankers/CCAs, outside vendors, attorneys, company's legal staff, etc. as necessary to obtain documentation.Reviews attorney prepared title work to ensure existing exceptions requiring removal (unpaid taxes, judgments, liens, outstanding notices) were identified, and resolution was achieved, to ensure proper lien perfection.Understanding of state specific loan documentation requirements.Attends compliance, bank-related meetings, seminars, and any other training sessions necessary to become proficient in compliance related areas.Stays abreast of changes to federal and state banking laws and deposit or lending regulations affecting the management, operations, and product offerings of the establishment.Customer relationship knowledge when reviewing closed loan documents.Detailed understanding of the loan origination (application to post closing) process.Understanding of the loan origination and servicing systems and the data requirements to originate and board loan/line transactions.Places high degree of emphasis on providing outstanding customer service for internal and external customers.Independently works to review/analyze loan documentation and ensures quality of work.Initiates imaging process by setting requirements for loans in document tracking/retention software.Identifies "critical" exceptions in closed package; assists in resolution, as applicable.Utilizes request tracking tool to track productivity and workflow; reviews daily reports to self-manage work in progress.Ensures loan packages are reviewed/analyzed timely, accurately and within accepted service levels.SUPERVISORY RESPONSIBILITIES:
This job has no supervisory responsibilities.
MINIMUM REQUIRED EDUCATION, EXPERIENCE & KNOWLEDGE:
Associate's Degree2 years of related experience and/or trainingA combination of education and experience is acceptableNo certification, licensure or registrations are required to successfully apply for this job; however, the following certifications from Hancock Bank's Computer Based Training (CBT) are required, if applicable, once in this position: Certification in Banking Regulations (Reg. B, Reg. CC, Reg. O, Reg. Z); Certification in HMDA Compliance; Certification in CRA, RESPA, RMR RegulationsExhibits strong verbal and written communication skillsAbility to communicate with a variety of audiences, to include multiple levels of managementStrong interpersonal and customer service skills and the ability to work well across teamsSelf-starter with strong organizational skillsAbility to multi task and prioritize workload in a fast paced environmentAnalytical, problem solving, and conceptual skillsAbility to formulate conclusions and recommend course of action based on analysisLoan documentation knowledge of consumer, commercial, and real estate loansKnowledge of loan policy and procedure:Knowledge of federal compliance laws and those in the applicable states: specifically, Regulation B - Equal Credit Opportunity Act; Regulation O - Loans to Executive Officers, Directors and Principal Shareholders; Regulation Z - Truth in Lending Act; Fair Housing Act; Flood Insurance Requirements; HUD's Real Estate Settlement Procedures Act (HUD's Regulation X)Ability to work independently with little supervisionAbility to manage several projects simultaneouslyAbility to make decisions independentlyESSENTIAL MENTAL & PHYSICAL REQUIREMENTS:
Ability to work under stress and meet deadlinesAbility to operate a keyboard if required to perform the essential job functionsAbility to read and interpret a document if required to perform the essential job functionsAbility to travel if required to perform the essential job functionsAbility to lift/move/carry approximately 10 pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division an "undue hardship" then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement.
Equal Opportunity/Affirmative Action Employers. All qualified applicants will receive consideration for employment without regard to race, color, religious beliefs, national origin, ancestry, citizenship, sex, gender, sexual orientation, gender identity, marital status, age, physical or mental disability or history of disability, genetic information, status as a protected veteran, disabled veteran, or other protected characteristics as required by federal, state and local laws.
JOB FUNCTION / SUMMARY:
Reviews/analyzes loan documentation and sets requirements in document tracking software for consumer or non-complex commercial purpose loans, in a multi-state environment.
ESSENTIAL DUTIES & RESPONSIBILITIES:
Reviews/analyzes closed loan documents for commercial or retail clients and sets documentation tracking requirements for commercial loans (commercial real estate loans, equipment loans, construction loans) or consumer loans (residential real estate loans.including those subject to RESPA and the related Early Disclosures, Home Equity Lines of Credit, construction loans, titled loans, CD/Savings secured loans, Stock/Money Market/Annuity secured loans, etc.), excluding the most complex loan types, in compliance with bank policy, federal and state regulations.Reviews application/loan credit package for completeness, accuracy and proper approval.Ensures all due diligence was performed and required documentation 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 Documentation Specialists, Bankers/CCAs, outside vendors, attorneys, company's legal staff, etc. as necessary to obtain documentation.Reviews attorney prepared title work to ensure existing exceptions requiring removal (unpaid taxes, judgments, liens, outstanding notices) were identified, and resolution was achieved, to ensure proper lien perfection.Understanding of state specific loan documentation requirements.Attends compliance, bank-related meetings, seminars, and any other training sessions necessary to become proficient in compliance related areas.Stays abreast of changes to federal and state banking laws and deposit or lending regulations affecting the management, operations, and product offerings of the establishment.Customer relationship knowledge when reviewing closed loan documents.Detailed understanding of the loan origination (application to post closing) process.Understanding of the loan origination and servicing systems and the data requirements to originate and board loan/line transactions.Places high degree of emphasis on providing outstanding customer service for internal and external customers.Independently works to review/analyze loan documentation and ensures quality of work.Initiates imaging process by setting requirements for loans in document tracking/retention software.Identifies "critical" exceptions in closed package; assists in resolution, as applicable.Utilizes request tracking tool to track productivity and workflow; reviews daily reports to self-manage work in progress.Ensures loan packages are reviewed/analyzed timely, accurately and within accepted service levels.SUPERVISORY RESPONSIBILITIES:
This job has no supervisory responsibilities.
MINIMUM REQUIRED EDUCATION, EXPERIENCE & KNOWLEDGE:
Associate's Degree2 years of related experience and/or trainingA combination of education and experience is acceptableNo certification, licensure or registrations are required to successfully apply for this job; however, the following certifications from Hancock Bank's Computer Based Training (CBT) are required, if applicable, once in this position: Certification in Banking Regulations (Reg. B, Reg. CC, Reg. O, Reg. Z); Certification in HMDA Compliance; Certification in CRA, RESPA, RMR RegulationsExhibits strong verbal and written communication skillsAbility to communicate with a variety of audiences, to include multiple levels of managementStrong interpersonal and customer service skills and the ability to work well across teamsSelf-starter with strong organizational skillsAbility to multi task and prioritize workload in a fast paced environmentAnalytical, problem solving, and conceptual skillsAbility to formulate conclusions and recommend course of action based on analysisLoan documentation knowledge of consumer, commercial, and real estate loansKnowledge of loan policy and procedure:Knowledge of federal compliance laws and those in the applicable states: specifically, Regulation B - Equal Credit Opportunity Act; Regulation O - Loans to Executive Officers, Directors and Principal Shareholders; Regulation Z - Truth in Lending Act; Fair Housing Act; Flood Insurance Requirements; HUD's Real Estate Settlement Procedures Act (HUD's Regulation X)Ability to work independently with little supervisionAbility to manage several projects simultaneouslyAbility to make decisions independentlyESSENTIAL MENTAL & PHYSICAL REQUIREMENTS:
Ability to work under stress and meet deadlinesAbility to operate a keyboard if required to perform the essential job functionsAbility to read and interpret a document if required to perform the essential job functionsAbility to travel if required to perform the essential job functionsAbility to lift/move/carry approximately 10 pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division an "undue hardship" then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement.
Equal Opportunity/Affirmative Action Employers. All qualified applicants will receive consideration for employment without regard to race, color, religious beliefs, national origin, ancestry, citizenship, sex, gender, sexual orientation, gender identity, marital status, age, physical or mental disability or history of disability, genetic information, status as a protected veteran, disabled veteran, or other protected characteristics as required by federal, state and local laws.