Business Banking Loan Closer (Remote in Jacksonville, FL, Atlanta, GA, or Tifton, GA)

Ameris Bank; Atlanta (GA); Remote; USD 50,000 - 70,000; Full time

Job summary

A financial institution in Atlanta is seeking a Business Banking Loan Closer to manage the loan closing process and ensure compliance with all documentation requirements. This role requires 1+ years of experience, strong knowledge of loan documentation, and excellent organizational skills. The ideal candidate will work collaboratively with loan officers and clients to maintain a smooth workflow in closing multiple loans simultaneously. Competitive benefits and a supportive team environment are offered.

Benefits

Medical, Dental and Vision Insurance

401(k) Retirement Plan

Flexible Spending Accounts

Education Assistance

Qualifications

• 1+ years of experience as a Commercial Loan Closer.
• Ability to analyze and manage a high volume of documents.
• Familiarity with commercial loan compliance policies.

Responsibilities

• Facilitates the closing of multiple business banking loans.
• Prepares loan documents accurately in compliance with regulations.
• Acts as a liaison with loan officers and customers.

Skills

Knowledge of loan documentation

Due diligence expertise

Microsoft Office proficiency

Critical thinking skills

Organizational skills

Education

High school diploma or GED

Bachelor’s degree preferred

Tools

Banking software applications

Job description

Ameris Bank is a purpose-driven company, dedicated to bringing financial peace of mind to communities, one person at a time. Whether a customer wants to grow their business, buy a home, or feel confident in their retirement plan, they have a partner in Ameris Bank.

Delivering financial peace of mind starts with a team that values integrity and rewards ingenuity. At Ameris, you’ll find teammates who are inclusive, collaborative problem-solvers who go the extra mile to support one another and to meet every customer’s needs. When teammates are empowered and bring their diverse perspectives to the table, we create the best possible outcomes for our customers.

The Business Banking Loan Closer coordinates, prepares loan documentation, and/or reviews small commercial loan transactions while ensuring accuracy and meeting requirements of loan approval, policy, regulations, and law.

Essential Functions, Duties, And Responsibilities

• Facilitates the closing of multiple business banking loans simultaneously.
• Reviews loan type, approval terms and conditions, bank policy and regulations to determine closing requirements and develop a due diligence/closing checklist.
• Performs due diligence activities for various business banking commercial loans, applying knowledge to analyze and effectively administer pre-closing activities.
• Prepares loan documents on the bank's documentation system, ensuring that documents are prepared accurately with proper terms and conditions as outlined in the loan approval and within the standards and requirements.
• Effectively manages a large pipeline of loans at different stages of the closing process while managing the workflow to meet quick turnaround times.
• Identifies and obtains all necessary third-party reports which may include title, surveys, entity documents, flood determinations, and UCC searches.
• Reviews all reports and documents for accuracy and sufficiency according to bank policy and regulatory requirements.
• Identifies discrepancies and issues, facilitates resolutions, and takes corrective actions.
• Acts as a liaison with loan officers, attorneys, third party vendors, and customers.
• Executes timely follow-ups and manages all closing requirements while monitoring to ensure deadlines are met.
• Responsible for ongoing communication with lender and borrower regarding the status of specific loan requests.
• Processes disbursement of loan proceeds.
• Maintains and updates electronic checklists to ensure all diligence items are addressed.
• Manages electronic file organization for all commercial loan files.
• Meets the Commercial Hubs Standard Service Level Agreements and Quality Control objectives.
• Provides instructions, guidance, and requests to stakeholders ensuring clear, professional communication and efficient processing.
• Stays current on applicable banking regulations and security procedures and practices to prevent fraud or other bank losses and to comply with regulatory requirements.

Required Knowledge, Skills And Competencies

• General knowledge of standard loan documentation and various loan structures such as commercial real estate, blanket liens, vehicle loans, lines of credit, letters of credit, and certificates of deposit loans.
• General knowledge of due diligence requirements related to standard commercial loan transactions, including but not limited to corporate documentation, titles, UCC searches, and vehicles.
• Intermediate to advanced skills in computers and Microsoft Office.
• Able to effectively and persuasively express self, using language and grammar in a professional manner.
• Able to plan, schedule and organize professional schedule to achieve goals within or ahead of established time frames.
• Able to provide a high level of interactive service to others, building relationships and addressing identified needs.
• Able to analyze and record detailed information and produce accurate, high quality work products.
• Able to research, analyze, identify viable options, draw sound conclusions, and present findings.
• Thorough knowledge of commercial loan compliance policy and closing processes.
• Able to manage and organize a high volume of documents.
• Able to read, analyze, and interpret basic commercial loan documents.
• Able to perform accurate calculations and transactions.
• Critical thinking and analytical skills required to review all transaction processing (file maintenance).

Industry And Work Experience

• 1 or more years of experience as a Commercial Loan Closer required.
• Experience using relevant banking and document storage software applications required.

Academic

• High school diploma or GED required.
• Bachelor’s degree or equivalent combination of education and experience preferred.

Benefits Available To Employees

Ameris Bank provides a comprehensive employee benefit package to all eligible employees.

• Medical, Dental and Vision Insurance.
• Life Insurance provided at no additional cost to employees.
• Accidental Death & Dismemberment Coverage.
• Long-Term Disability Coverage.
• Paid Sick and Vacation Leave.
• 11 Holidays.
• Volunteer/Service Day.
• Employee Stock Purchase Plan.
• 401(k) Retirement Plan.
• Ameris Bank matches 50% of your first 8% of contributions to the plan.
• Flexible Spending Accounts.
• Health Savings Account.
• Health Reimbursement Arrangement.
• Supplemental Life & Other Insurance Plans.
• Identity Theft Protection.
• Pet Insurance.
• Legal Insurance.
• Employee Assistance Program.
• Employee Advocacy Program.
• Tickets at Work (Entertainment discounts for Ameris Bank Employees).
• AT&T Employee Discount.
• Wellness Discounts for Medical Premiums and Other Rewards.
• Employee Referral Incentive.
• Education Assistance.
• Employee Resource Groups.

Banking Advantages For Employees

In addition to a wide array of benefits, Ameris Bank employees are also eligible for special bank services.

• Free Interest Checking.
• Free Safe Deposit Box.
• Free Money Orders, Travelers’ Checks and Cashier Checks.
• Discount on Mortgage Origination Fee.
• Free Online Banking and Free Unlimited Online Bill Payment.
• Employee Banking Perks.