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

• A 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.
• Effective written and verbal communication skills.
• Professional interpersonal skills with the ability to collaborate respectfully with supervisors and colleagues.
• Ability to remain calm and professional when managing difficult, upset, or challenging individuals.
• Skilled in assessing client concerns, resolving issues independently, and escalating appropriately when needed.

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

$22.50 – $33.50 per hour.

Schedule

Not specified.