Pre-Closing Representative

BankFirst Financial Services; Addison (AL); Sur place; USD 52 000 - 68 000; Plein temps

Résumé du poste

BankFirst Financial Services is seeking a Loan Documentation Specialist to review consumer and commercial loan files for conformance with documentation requirements and bank policies. The role includes preparing closing packages across BankFirst markets within defined turnaround times and ensuring compliance.

Responsibilities include preparing documents for new, renewal, and modified loans, verifying collateral details, and providing guidance to lending staff on documentation and policy issues.

Qualifications

• Minimum 3 years of loan documentation experience.
• Broad knowledge of loan compliance and regulatory requirements.
• Strong attention to detail and accuracy.
• Excellent written and oral communication skills.
• Ability to handle high volumes under tight deadlines.

Responsabilités

• Verify loan documents supporting approved terms and collateral.
• Prepare documentation for new, renewal and modified loans.
• Produce complete, enforceable loan packages (notes, agreements, security agreements, financing statements).
• Assist with UCC filings, flood determinations, and related docs.
• Guide lending staff on documentation, policies and procedures.
• Notify lenders of potential problems and recommend resolutions.
• Participate in training and bank initiative projects.
• Support Department Manager and training of staff.

Connaissances

Attention to detail

Written communication

Time management

Prioritization

Critical thinking

Outils

LaserPro

Description du poste

BASIC PURPOSE:This position is responsible for performing pre-closing reviews of consumer and selected commercial loans and determining conformance with documentation requirements as well as bank credit policy standards and approval requirements. In addition, preparing loan closing packages for all BankFirst markets within defined turnaround time standards and ensuring adherence to prescribed compliance requirements.

PRINCIPLE ACCOUNTABILITIES

• Verify loan documents required to support approved terms and conditions, including reviewing entity and collateral documentation, lending authorities, and adherence to terms, pricing and conditions approved by senior-level management and/or bank loan committees.
• Prepare documentation for all new, renewal and modified loans, including consumer and non-real estate commercial loans, utilizing the bank’s internal documentation preparation software.
• Produce complete, accurate and enforceable loan document packages, including promissory notes, loan agreements, security agreements, financing statements and all necessary documents for collateral lien perfection.
• Assist with third-party services, including UCC filings and searches, flood determinations, Secretary of State standings and other external documentation as required
• Serve as a resource to all bank lending personnel and loan support areas by providing guidance and/or consultation on any documentation, policy or procedural issue
• Notify lenders of potential problems and make recommendations for resolution of problems or conflicts associated with loans and/or collateral
• Participate in training sessions, webinars and/or projects relating to pre-closing and compliance
• Provide support to Department Manager and assist with the execution and implementation of bank initiatives and the training of bank lending personnel

EDUCATION, EXPERIENCE, SKILLS

• Minimum of three (3) years of work experience in consumer and commercial loan documentation, with LaserPro experience preferred
• Broad knowledge in loan compliance and regulatory requirements, with strong understanding of loan documentation for consumer and non-real estate commercials loans
• Superior attention to detail and accuracy
• Strong written and oral communication skills
• Effective organizational and time-management skills
• Ability to handle heavy volumes of work under pressure in a deadline-driven environment
• Proficient PC and technical skills necessary to perform related job duties
• Excellent multi-tasking and prioritizing skills
• Strong critical thinking and decision-making skills

BankFirst is an EO employer- M/F/Veteran/Disability