Loan Operations Sr Specialist III - Complex Commercial

SouthState Bank

Winter Haven (FL)

Remote

USD 70,000 - 95,000

Full time

14 days+

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Job summary

A reputable banking institution is seeking a Loan Operations Sr Specialist III to manage complex commercial loans, ensure accurate servicing, and support initiatives. This role requires strong communication skills and a minimum of 5 years’ experience in commercial lending. Located in Winter Haven, FL, this position offers full-time employment with a remote work environment.

Qualifications

A minimum of 5 years’ experience in Commercial servicing/lending role required.
In-depth knowledge of complex commercial loans and loan documentation is necessary.
Loan Servicing experience with FiServ Premier Systems preferred.

Responsibilities

Responsible for Loan Ops controls of complex commercial loans.
Perform all required servicing of Specialty Commercial loans.
Review and maintain various departmental reports.
Assist commercial business partners in resolving issues.
Ensure compliance with policies and regulatory requirements.

Skills

Excellent communication skills

Ability to handle confidential information

Strong interpersonal skills

Proficient in Excel, PowerPoint, Word, Visio

Education

High School diploma

Bachelor's degree

Tools

FiServ Premier Systems

Job description

Loan Operations Sr Specialist III - Complex Commercial

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Loan Operations Sr Specialist III - Complex Commercial

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The SouthState story is one of steady growth, deep community roots, and an unwavering commitment to helping our customers move forward. Since our beginnings in the 1930s to becoming a trusted financial partner across the South and beyond - we are known for combining personal relationships with forward-thinking solutions.

We are committed to helping our team members find their success while maintaining the integrity of our values: building trust, fostering lasting relationships and pursuing excellence. At SouthState, individual contributions are recognized, potential is cultivated and team members are inspired to achieve their greater purpose. Your future begins here!

Summary/Objectives

Responsible for the Loan Ops controls of complex commercial loans to include booking new/renewed/modified loans, and all servicing components. Servicing includes, payment processing, loan account maintenance, advanced processing from agent banks, disbursements and rate change communications to participant banks, loan payoffs, etc. This will be performed for the products defined as Specialty Commercial which includes: complex Syndicated and Participated deals, Letters of Credit, ARC and SWAP deals, Franchised lending, Leases, etc. Partners with Commercial and Middle Market Bankers to assist and be prepared for new deals. Ensures that all manuals and procedures are kept current; keeps up-to-date on all changes to bank policies, procedures, regulations; assist with and support special initiatives or projects, including M&A.

Essential Functions

Review and interpret executed, critical loan documents (including attorney prepared) that provide terms and conditions for ongoing management of the loan that includes loan billing, disbursements, critical dates, and payoff criteria.
Board all new, renewed and modified Specialty Commercial loans/lines of credit with a high degree of accuracy and within specified SLAs.
Perform all required servicing of Specialty Commercial loans: suspense posting, loan payoffs, account maintenance, payment posting, payoff and advance processing from Agent Banks, disbursements/rate changes to participant banks and detailed servicing of SWAP/ARC deals.
Research and resolve any out of balance issues with Participation, Suspense and SWAP general ledgers related to the servicing of the loans.
Provide guidance and assistance to Commercial and Middle Market business lines as needed when addressing new deals questions on servicing and/or solutions that establish efficiencies.
Support projects to establish, test and implement new products and/or lines of business.
Connect regularly with other teams to build positive, working relationships that promote the bank’s customer focus and respond timely to all inquiries from customers, lenders/LOAs, and other bank personnel.
Assist commercial business partners in resolving issues and exceptions.
Review and maintain various departmental reports in order to identify trends or areas of concern.
Participate in conversion related activities as needed. This will include data collection, process discussions, data mapping, testing phases, production conversion, and post-conversion monitoring, etc.
Actively engages in personal development by identifying and pursuing resources needed to improve performance.
GALLUP 12 / Culture / Leadership - Effectively coaches and develops employees to perform at the highest level. Has direct, frequent and ongoing communication through one on one meetings and regular department meetings. Delivers performance reviews in a timely manner. Creates an engaged workforce by fostering collaboration within their team and their internal and external customers/partners. Creates an enjoyable work environment by being approachable, rational, and objective while building relationships with employees and consistently celebrating success. Takes ownership and accountability by supporting the Bank’s goals through goal assignment and attainment that is challenging and realistic for their team. Leaders will live and lead with the Gallup 12 as well as serve as a role model for change.
Ensures compliance of SouthState Codes of Conduct, HR Guides, and other operating policies and procedures. Completes compliance training, adheres to all anti-money laundering guidelines and procedures and all regulatory requirements

The duties and responsibilities listed above may be revised at any time within the sole discretion of SouthState Bank without advance notice to or the consent of the employee.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

COMPETENCIES

Excellent communication skills to support effectively communicating with all business partners (verbal, written, presentation); ability to handle confidential information (customers and employees); ability to maintain accurate records; ability to concentrate on details; ability to be flexible and adapt to a changing environment; patience and ability to respond to critical demands of the department and meet competing deadlines; strong interpersonal skills; ability to provide superior customer service to internal and external clients; ability to work independently and as a team

Qualifications, Education, And Certification Requirements

Education: High School diploma required; Bachelor’s degree preferred.
Experience: A minimum of 5 years’ experience in Commercial servicing/lending role is required. Must have in-depth knowledge of complex commercial loans and loan documentation to include syndications & interest rate swaps. Loan Servicing experience and/or experience with FiServ Premier Systems is preferred.
Certifications/Specific Knowledge: Proficiencies in Excel, PowerPoint, Word, Visio

Training Requirements/Classes

Examples: Required annual compliance training; New Employee Orientation

PHYSICAL DEMANDS

Must be able to effectively access and interpret information via various computer systems, documents, and reports. Must be able to sit for long periods of time and requires a large amount of time in front of a computer.

WORK ENVIRONMENT

This position is located remotely and must have a secure home office environment that is free from background noise and distractions. Must also have a reliable, private internet connection that is not supplied by use of cellular data (hot spot). Cable or fiber connections are preferred. Requirements are subject to change, as new systems and technology is delivered. Travel may be required for training, meetings, etc. as needed.

Equal Opportunity Employer, including disabled/veterans.

Seniority level