Lending Specialist 1

About the role

The Lending Specialist provides prompt, high-quality customer service while collaborating effectively within a team environment across multiple branches and regional lending personnel. This role performs a broad range of functions related to loan processing, documentation, and portfolio management.

Responsibilities

• Verify and assess the accuracy of borrower information and supporting documentation throughout the loan application process.
• Identify, investigate, and resolve discrepancies across loan origination and servicing with minimal supervisory oversight.
• Review complex organizational and entity documentation to accurately determine authorized signers and validate approval authorities.
• Ensure full compliance with Customer Identification Program (CIP) and Customer Due Diligence (CDD) requirements.
• Independently initiate and manage the ordering of appraisals, credit reports, UCC searches, and other due diligence items required for underwriting.
• Prepare loan worksheets for approval, coordinate document preparation, and conduct thorough reviews of loan documents for accuracy and completeness.
• Compile and manage closing documentation; facilitate loan signing processes and ensure 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, monitoring loan maturities, and collecting annual financial statements.
• Provide regional support to additional branches as assigned by the Regional Lending Specialist Coordinator.
• Ensure adherence to all federal and state regulations, internal policies, and bank security procedures.
• Collaborate with cross-functional departments to achieve timely and accurate loan processing outcomes.
• Maintain active Notary Commission and perform Notary Public services as required.
• Participate in ongoing lending training and actively contribute to team meetings and process improvements.

Requirements

• High School Diploma or equivalent required
• Up to 1 year of commercial loan processing experience or equivalent preferred
• Active Notary Commission

Qualifications

• Strong foundational mathematics and analytical skills
• Proven critical thinking, sound judgment, and problem-solving abilities
• Outstanding customer service and client support skills
• Proficiency in Microsoft Office Suite (Excel, Word, Outlook)
• Accurate and efficient typing/data entry skills
• Strong time management and organizational abilities
• Active listening skills with a demonstrated ability to quickly learn new processes
• Educational background in finance, accounting, or related field preferred

Skills

• Knowledge of Bank Secrecy Act (BSA), Fair Credit Reporting Act (FCRA), and FDIC Insurance Regulation B (Equal Credit Opportunity Act – ECOA) Regulation BB (Community Reinvestment Act – CRA) Regulation CC (Funds Availability) Regulation DD (Truth in Savings) Regulation E (Electronic Fund Transfers – EFT) Regulation H (Flood Insurance) Regulation X (Real Estate Settlement Procedures Act – RESPA) Regulation Z (Truth in Lending – TILA)
• Loan products and loan documentation
• New account procedures and general banking operations
• Complaint documentation and resolution processes
• Privacy laws and customer data protection
• Safe deposit box procedures
• Security and robbery response protocols
• Uniform Commercial Code (UCC) filings and searches

Benefits

Not specified

Pay

Non-exempt hourly rate: $22.50 – $33.50 per hour (Salary Grade: 16)

Schedule

Not specified