Documentation Specialist

Hancock Whitney Corp.; Montgomery (AL); On-site; USD 42,000 - 64,000; Full time

Job summary

Hancock Whitney Corp. is seeking a Loan Documentation Specialist to prepare and review complex loan packages across consumer, commercial, and real estate portfolios. You will ensure accuracy, compliance with banking regulations, and timely closing while coordinating with attorneys and vendors.

The role requires attention to detail, strong communication skills, and the ability to manage multiple tasks in a fast-paced banking environment.

Qualifications

• High school diploma or GED required; associate degree preferred.
• 2–3 years loan-processing experience in commercial, consumer, or real estate functions.
• Knowledge of banking and lending regulations.
• Certifications from CBT may be required if applicable (Banking Regulations, HMDA Compliance, CRA/RESPA/RMR).

Responsibilities

• Prepare loan documentation for complex consumer and commercial loans in a multi-state environment.
• Review application/approval for completeness and accuracy.
• Produce documentation for all loan types from consumer to real estate secured and complex commercial loans.
• Coordinate with outside vendors and attorneys to obtain necessary documentation.
• Review real estate title work and resolve exceptions with attorneys, bankers, and customers.
• Ensure lien perfection and compliance with all documentation requirements (titles, UCCs, mortgages).
• Mentor and train Documentation Analysts; support supervisor in workload distribution.
• Monitor productivity and ensure timely, accurate loan packages within service levels.

Education

High school diploma or GED

Associate Degree in Business or related field

2-3 years loan-processing experience

Knowledge of banking and lending regulations

Job description

JOB FUNCTION / SUMMARY:

Prepares loan documentation for any complex consumer or commercial purpose loan, in a multi-state environment.

ESSENTIAL DUTIES & RESPONSIBILITIES:

• Analyzes loan request for loans of various complexity and prepares documentation in compliance with bank policy, federal and state regulations.
• Reviews application/approval for completeness, accuracy and proper approval.
• Produces documentation for all types of loans, ranging from simple consumer to real estate secured, to highly complex commercial loans.
• When applicable, uploads information from Salespro to Laser Pro and reviews for correctness/completeness.
• Ensures all required documentation is prepared to properly perfect the bank's lien and that all documentation requirements are met, to include titles, UCC's, mortgages, deeds and title commitments.
• Coordinates with outside vendors, attorney, etc. as necessary to obtain documentation.
• Reviews real estate title work to identify existing exceptions; coordinates with attorney, banker and customer to achieve resolution.
• Communicates to lender any issues affecting loan closing; identifies any legal, documentation or policy deficiencies and assists in correction of issues impacting closing.
• Reviews attorney prepared title work; identifies exceptions requiring removal (unpaid taxes, judgments, liens, lis pendens notices) and works with attorneys to ensure proper lien perfection.
• Places high degree of emphasis on providing outstanding customer service.
• Identifies "critical" exceptions in closed package.
• Monitors own work to ensure quality.
• Fills in for Supervisor during absences or in the distribution of work.
• Performs secondary loan review for others.
• Initiates imaging process by setting requirements for loans in Info-Access.
• Utilizes intranet-based DAC Tracking tool to track productivity and workflow; reviews daily reports to self-manage work in progress.
• Ensures loan packages are produced timely, accurately and within accepted service levels.
• Mentors and provides training assistance to Documentation Analysts.

SUPERVISORY RESPONSIBILITIES:

None

MINIMUM REQUIRED EDUCATION, EXPERIENCE & KNOWLEDGE:

• High school diploma or GED; Associate Degree in Business or a related field preferred
• 2-3 years loan-processing experience within a Commercial, Consumer, or Real Estate function.
• Knowledge of related Banking and Lending regulations
• No certification, licensure or registrations are required to successfully apply for this job; however, the following certifications from Hancock Bank's Computer Based Training (CBT) are required, if applicable, once in this position:
• Certification in Banking Regulations (Reg. B, Reg. CC, Reg. O, Reg. Z)
• Certification in HMDA Compliance
• Certification in CRA, RESPA, RMR Regulations
• Exhibits strong verbal and written communication skills
• Ability to communicate with a variety of audiences, to include multiple levels of management
• Possesses strong interpersonal and customer service skills and the ability to work well across teams
• Is a self-starter with strong organizational skills
• Has the ability to multi task and prioritize workload in a fast paced environment
• Possesses analytical, problem solving and conceptual skills
• Ability to formulate conclusions and recommend course of action based on analysis
• Loan documentation knowledge of consumer, commercial and real estate loans
• Knowledge of loan policy and procedure
• Knowledge of federal compliance laws and those in the applicable states
• Ability to work independently with little supervision
• Ability to manage several projects simultaneously
• Ability to make decisions independently

ESSENTIAL MENTAL & PHYSICAL REQUIREMENTS:

• Ability to work under stress and meet deadlines
• Ability to operate a keyboard if required to perform the essential job functions
• Ability to read and interpret a document if required to perform the essential job functions
• Ability to travel if required to perform the essential job functions
• Ability to lift/move/carry approximately 10 pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division an "undue hardship" then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement.

Equal Opportunity/Affirmative Action Employers. All qualified applicants will receive consideration for employment without regard to race, color, religious beliefs, national origin, ancestry, citizenship, sex, gender, sexual orientation, gender identity, marital status, age, physical or mental disability or history of disability, genetic information, status as a protected veteran, disabled veteran, or other protected characteristics as required by federal, state and local laws.