Loan Operations Post Closer & Verification II

Responsibilities

• Execute a variety of post-closing tasks for both commercial and consumer loans, adhering strictly to Univest lending policies and guidelines.
• Analyze loan documentation packages to identify required supporting documents and ensure all necessary items are obtained.
• Meticulously track the receipt of loan documents (both internally prepared and from external attorneys).
• Verify the completeness, accuracy, and originality of all documents received.
• Identify loans subject to Community Reinvestment Act (CRA) and Home Mortgage Disclosure Act (HMDA) reporting requirements.
• Accurately enter necessary data into the system, ensuring compliance with all applicable regulatory guidelines.
• Scan, identify, and correctly label executed loan documents, uploading them into Synergy Capture and/or nCino Salesforce.
• Import all supporting documentation from commercial synergy files into the appropriate systems.
• Verify accurate document uploads into Synergy for consumer lending, label, and file in the correct vault.
• Maintain a thorough understanding of and ensure compliance with all applicable laws and regulations, including the Univest Code of Conduct and relevant sections of the Uniform Commercial Code.
• Collaborate effectively with lenders and administrative assistants to efficiently resolve documentation discrepancies, scanning issues, and other post-closing exceptions.
• Track incoming mail, meticulously review loan documents (both in-house and attorney-prepared) for completeness, accuracy, and authenticity.
• Address and resolve any identified discrepancies; respond to mail confirmation emails promptly.
• Monitor the department's email inbox, claim ownership of loans requiring post-closing action, and systematically process them.
• Efficiently transfer loan file documents between nCino and Synergy Capture, perform document capture and indexing, and upload documents into the Xperience system.
• Utilize LQAS to accurately input document requirements, financial covenants, and other critical loan details into the designated tracking system, based on approved loan terms and conditions.
• Organize and maintain both consumer and commercial loan files according to established procedures, ensuring accurate naming, filing, and overall file integrity.
• Assist in the onboarding and ongoing development of Loan Operations Post Closer I team members, providing guidance on procedures and best practices.
• Conduct thorough verification of Consumer and Basic Commercial Loan documentation against the loan origination system and approved loan terms, identifying and resolving discrepancies, including complex or non-standard loan scenarios.
• Participate in various bank projects related to loan operations, contributing expertise and support to ensure successful implementation and alignment with departmental goals.
• Serve as a point of escalation for complex issues or exceptions encountered during the post-closing process, providing solutions and guidance to team members.
• Perform additional duties as assigned by management.

Qualifications

• High school diploma or GED equivalent required.
• Familiarity with commercial loan documentation, real estate lending concepts, and relevant terminology.
• Understanding of Univest lending policy guidelines is advantageous.
• Knowledge of consumer loans, including Home Equity Lines of Credit (HELOCs) and other direct personal lending products.
• Ability to identify commercial and real estate loan documents and make independent decisions that align with Univest’s policies and guidelines, demonstrating accuracy and integrity.
• Capacity to work independently as well as collaboratively within a team setting.
• Strong verbal and written communication skills, coupled with excellent organizational abilities.
• Proficient in addressing challenges and capable of thinking creatively when faced with unusual situations.
• Demonstrates a keen eye for detail, ensuring thoroughness and precision in all tasks.
• Advanced PC and word processing skills, utilizing various proprietary Windows-based software applications.
• Must have Salesforce/nCino and Synergy familiarity.