Loan Collateral Specialist

United Bank; Atmore, Northern (AL, KY); Hybrid; USD 42,000 - 56,000; Full time

Job summary

United Bank is seeking a Loan Collateral Specialist to ensure accurate perfection and maintenance of collateral loan documentation, including real estate mortgages, vehicle titles, and UCC filings.

You will coordinate with county clerks, title companies, and vendors to maintain lien positions and regulatory compliance while supporting loan officers and processors in correcting documentation deficiencies. Strong attention to detail and proficiency in Office tools are essential.

Qualifications

• 2+ years of banking or clerical office experience.
• Strong attention to detail and accuracy.
• Excellent organizational skills and ability to manage high-volume tasks.
• Proficiency in Microsoft Office suite (Outlook, Excel, Word).

Responsibilities

• Prepare, review, and file collateral documents including mortgages and deeds of trust.
• Maintain collateral tracking systems and monitor UCC filings.
• Coordinate with county clerks, DMVs, title companies, and vendors.
• Verify receipt of recorded documents and titles; resolve discrepancies.
• Monitor file ticklers for continuations and renewals; assist loan officers.

Skills

Detail oriented

Excellent organizational skills

High volume tasks

Microsoft Office

Education

High school diploma or equivalent

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

Tools

Outlook

Excel

Word

Job description

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.