Commercial Operations Loan Closer II

Primary Responsibilities

• Knowledge of Federal regulations, loan documentation terms and conditions including credit agreements, notes, guarantees, and collateral is required.
• Act as a gate keeper for certain compliance and reporting requirements.
• Ensure loans are closed and documented in accordance with the Citizens Business Banking credit policy.
• Accurately book the loan to the loan accounting system.
• Manage a loan pipeline of 25-30 transactions; communicate clearly and timely to partners and customers on status and conditions.
• Perform appropriate due diligence tasks, review operational risk components, and ensure conditions precedent are met prior to closing or funding a loan.
• Work with sales partners, customers, legal counsel, and third parties to clear all pre-closing conditions including environmental reports, appraisals, flood determinations, lien positions and title work.
• Reconcile Loan Accounting Recon account for assigned loans.
• Manage and clear post-closing legal documentation exceptions in compliance with bank policy.
• Implement effective controls and proactively initiate action over key client indicators and managing loan closings within established Key Performance Indicators (KPI's).
• Provide exceptional customer service while adhering to Bank policies and controls and regulatory requirements.
• Mitigate operational and reputational risk.

Required Skills/Experience

• Strong proven relevant experience in a business/commercial lending environment.
• Exceptional customer service and communication skills.
• Highly motivated and team oriented.
• Ability to manage and resolve moderately complex problems.
• Excellent time management skills with the ability to effectively manage a pipeline of credits, independently prioritizing activities.
• Strong organizational skills with the ability to manage multiple priorities in a time sensitive environment while maintaining service level agreements.
• Experience with AFS and Laser Pro is a plus.