Relationship Specialist

TowneBank; Cary (NC); On-site; USD 55,000 - 75,000; Full time

Job summary

TowneBank in Cary, NC is seeking a Loan Processor to handle consumer and commercial loan processing, documentation, and coordination with Credit Analysis. You will input loan requests, prepare required statements, and support the loan approval workflow.

The role emphasizes accuracy, client service, and collaboration with Loan Administration, Loan Services, and Officers to ensure timely closings and compliant documentation.

Qualifications

• 3–5 years of banking experience.
• Experience with loan documentation and closing processes.
• Strong communication and teamwork abilities.

Responsibilities

• Process and close consumer and commercial loans promptly and accurately.
• Input loan requests in loan summary and systems; coordinate documents.
• Prepare and coordinate debt summaries, tax returns, financial statements as needed.
• Coordinate collection of required financials and credit reports for analysis.
• Assist in compiling approval packages for senior reviewers.
• Monitor loan pipeline and renewals; communicate with Officers weekly.
• Ensure proper signatures and complete loan packages for transmission to Loan Services.

Skills

Loan processing

Credit analysis coordination

Customer service

Attention to detail

Multitasking

MS Office

Tools

LaserPro

Insight

BakerHill

Job description

• Process and close consumer and commercial loans in a prompt, accurate and efficient manner.
• Provide excellent service to our members and bankers.
• Input the loan request in loan summary and current system platform(s).
• Prepare Debt Summary (if applicable).
• Coordinate the collection of applicable business tax returns, business financial statements, personal financial statements, personal tax returns, credit reports, and credit monitoring required financials.
• Prepare request for Credit Analysis and forward package to Loan Administration.
• Communicate with Credit Analysis relating to any additional information required.
• Assist with compiling approval package for submission to approving/reviewing entity (i.e. Regional President, Executive Committee, Credit Review, Small Business Lending, etc.).
• Input all consumer/commercial loans.
• Meet with members as requested for loan closings at the Bank.
• Review signed documents to assure the package is complete with proper signatures obtained.
• Package loan documents and required supporting documentations for transmittal to Loan Services, including applicable general ledger tickets and check copies.
• Following up and clearing all outstanding exceptions.
• Preparing loan payoff quotes upon request from members.
• Accepting loan payoff checks and preparing appropriate transaction tickets.
• Monitoring maturing loans/credit lines and coordinating the appropriate renewal.
• Monitoring weekly past due loan payments and update comments weekly for Officer.
• Monitoring maturing Letters of Credit and coordinating appropriate renewal process; collecting applicable fee.
• Meeting with Officers weekly to input and manage loan pipeline.
• Correcting any collateral exceptions on loans.

Deposit Process:

• Serving as the contact person for any member service assistance with assigned Officers’ portfolios.
• Processing requests for transfers of funds and other needs as they arise.
• Safeguarding member information and communications.
• Following up and clearing all outstanding deposit exceptions.
• Pulling reports for Officers as needed.
• Meeting with officers weekly to manage business development.
• Processing transfer requests.
• Processing wire transfers and stop payments.
• Opening accounts for members.
• Assisting members with account research as needed.
• Coordinating the needs of members with appropriate departments and following up to ensure satisfaction of service.
• Assisting members with ordering checks, ATM/Debit cards and online banking enrollment.
• Assisting Officers with sales calls as requested.

Core Responsibilities:

• Adheres to applicable federal laws, rules, and regulations including those related to Anti-Money Laundering (AML) and the Bank Secrecy Act (BSA).
• Other duties as assigned.

Minimum Required Skills & Competencies:

• Has a strong work ethic and is highly motivated to always deliver financial services and solutions with the highest ethical standards.
• Has the ability to work independently and as a team to make intelligent decisions using sound judgement.
• Demonstrates computer proficiency in Microsoft Office.
• Has strong verbal and written communication skills.
• Is supportive of team goals and initiatives.
• Ability to listen well and resolve member issues in a positive manner.
• Can multi-task on a daily basis and can learn new processes effectively.
• Is able to learn new product information and promote benefits to members.

Desired Skills & Competencies:

• Has at least 3 to 5 years of experience in banking.
• Previous experience in the following programs: LaserPro, Insight, BakerHill

Physical Requirements:

• Express or exchange ideas by means of the spoken word via email and verbally.
• Exert up to 10 pounds of force occasionally, use your arms and legs, and sit most of the time.
• Have close visual acuity to perform activities such as analyzing data, viewing a computer terminal, reading, and preparing documentation.
• Not substantially exposed to adverse environmental conditions.
• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential responsibilities of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential responsibilities.

Qualifications

Skills

Behaviors

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Motivations

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Education

Experience

Licenses & Certifications

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
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