Loan Collateral Specialist

United Bank Alabama and Florida; Atmore (AL); On-site; USD 45,000 - 65,000; Full time

Job summary

United Bank Alabama and Florida is seeking a Loan Collateral Specialist to ensure accurate perfection, tracking, and maintenance of all collateral loan documents, including mortgages, deeds of trust, vehicle titles, and UCC filings.

The role supports regulatory compliance and minimizes collateral risk by coordinating with county clerks, DMVs, title companies, and third‑party vendors, while maintaining up‑to‑date collateral tracking systems and resolving title issues.

Qualifications

• 2+ years of banking or clerical experience in a professional office environment
• Strong attention to detail
• Excellent organizational skills
• Demonstrated experience in managing high volume tasks with accuracy
• Proficiency in Microsoft Office products (Outlook, Excel, and Word)
• High school diploma or equivalent
• Associate or Bachelor’s degree in Finance, Business or related fields

Responsibilities

• Performs accuracy checks and maintains collateral documentation such as mortgages, deeds of trust, vehicle titles, and UCC filings
• Ensure timely and accurate lien perfection in accordance with state and federal requirements
• Coordinate with county clerks, DMVs, secretaries of state, title companies, and third-party vendors
• Monitor recording confirmations and follow up on rejected filings
• Maintain collateral tracking systems and verify receipt of recorded documents
• Monitor UCC continuations and renewals
• Investigate and resolve title defects, lien priority issues, and documentation discrepancies
• Work with loan officers and processors to correct documentation deficiencies
• Any other duties as assigned by Management.

Education

High school diploma or equivalent

Associate or Bachelor’s degree in Finance, Business or related fields

Job description

Job Function / Summary

The Loan Collateral Specialist is responsible for ensuring the accurate perfection, tracking, and maintenance of all collateral loan documentation, including but not limited to mortgages, deeds of trust, vehicle titles, UCC filings, and other secured instruments. This role safeguards the institution’s lien position, ensures regulatory compliance, and mitigates collateral related risk.

Primary Duties & Responsibilities

Prepare, review, and file collateral documents including:

• Real estate mortgages/ deeds of trust
• Vehicle titles and lien filings
• UCC-1 financing statements and amendments

Ensure timely and accurate lien perfection in accordance with state and federal requirements

Coordinate with county clerks, DMVs, secretaries of state, title companies, and third-party vendors

Monitor recording confirmations and follow up on rejected filings

Maintain collateral tracking systems

Verify receipt of recorded documents and original titles

Monitor ticklers for UCC continuations and renewals

Investigate and resolve title defects, lien priority issues, and documentation discrepancies

Work with loan officers and processors to correct documentation deficiencies

Any other duties as assigned by Management.

Requirements

Minimum Required Education, Experience & Skills

2+ years of banking experience or clerical experience in a professional office environment

Strong attention to detail

Excellent organizational skills

Demonstrated experience in managing high volume tasks with accuracy

Proficiency in Microsoft Office products (Outlook, Excel, and Word)

High school diploma or equivalent

Preferred Education, Experience & Skills

Associate or Bachelor’s degree in Finance, Business or related fields

2+ years of experience working in loan operations, loan documentation, title processing, collateral documentation perfection, or related financial services role.

Essential Knowledge, Mental & Physical Requirements

Excellent communication skills.

Ability to manage time and competing priorities in a fast-paced environment.

Strong interpersonal skills with the ability to interact with all levels of an organization.

Collaborative professional skills that lead to a collegial and partnered approach to meeting objectives.

High motivation with ability to successfully meet individual and team goals while maintaining individual performance over the long term.

Adaptability and flexibility.

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to speak or hear, stand, or sit for long periods of time, open filing cabinets, walk, stoop or bend, use hands to handle or feel and reach with hands and arms. The employee must frequently lift and/or move up to ten pounds, occasionally lift and/or move up to 25 pounds and complete tasks requiring manual dexterity.