Pre-Closing Representative

BankFirst Financial Services; Aliceville (AL); On-site; USD 52,000 - 75,000; Full time

Job summary

BankFirst Financial Services is seeking a Loan Documentation Specialist responsible for pre-closing reviews and preparing loan closing packages across BankFirst markets. The role ensures conformance with documentation standards and credit policy within defined turnaround times.

Ideal candidates have at least three years in loan documentation, strong attention to detail, and proficiency with LaserPro. This position requires excellent communication and organizational skills to support a fast-paced

Qualifications

• Three years of experience in consumer and commercial loan documentation.
• Broad knowledge of loan compliance and regulatory requirements.
• Excellent attention to detail and accuracy.
• Strong written and oral communication skills.
• Good organizational and time-management abilities.
• Ability to handle heavy volumes under deadline pressure.
• Proficient PC and technical skills.
• Strong critical thinking and decision-making abilities.

Responsibilities

• Verify loan documents supporting approved terms, collateral, and compliance with policy.
• Prepare documentation for new, renewal, and modified loans using internal tools.
• Assemble complete loan doc packages including notes, agreements, and security documents.
• Assist with third-party services like UCC filings and flood determinations.
• Provide guidance on documentation, policy, and procedural issues to lending staff.
• Notify lenders of potential problems and suggest resolutions.
• Participate in training on pre-closing and compliance.

Skills

Detailed loan docs handling

Written & oral communication

Organizational skills

Time management

Critical thinking

Attention to detail

PC/tech proficiency

Tools

LaserPro

Job description

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