Sr Private Bank Loan Closer

Crefc; Charlotte (NC); Hybrid; USD 65,000 - 85,000; Full time

Job summary

CRE Finance Council is seeking a Senior Private Bank Loan Closer in Charlotte to ensure timely closing and documentation of complex loan structures. You will handle due diligence, post-closing activities, and coordination with internal teams, counsel, and clients.

The role focuses on CRE, C&I, and niche financing needs within Commercial Loan Operations. A strong service mindset, detailed knowledge of lending documentation, and the ability to work with multiple stakeholders are essential.

Qualifications

• 5+ years of relevant experience in commercial loan closing with knowledge of CRE and C&I practices and policies.
• 5+ years high-touch, customer service experience.
• 5+ years computer skills- ability to work with desktop applications and systems.
• Working knowledge of commercial loan documentation.
• Experience with AFS and Laser Pro are a plus.
• Exceptional customer service and communication skills.
• Solid understanding of commercial real estate transactions.
• Self-starter with the capacity to work independently with minimal supervision.
• Highly motivated and team-oriented.
• Ability to manage and resolve moderately complex problems in a fast paced environment.
• Excellent time management skills with the ability to effectively manage a pipeline of credits, independently prioritizing activities.
• Strong organizational skills with the ability to manage multiple priorities in a time sensitive environment while maintaining service level agreements

Responsibilities

• Serves as a senior loan closer and subject matter resource for other loan closers on the team.
• Knowledge of Federal regulations, loan documentation terms and conditions including credit agreements, notes, guarantees, and collateral is required as you will act as a gate keeper for certain compliance and reporting requirements.
• Responsible for ensuring loans are closed and documented in accordance with the Citizens credit approval procedure.
• Accurately prepares loan documentation for closing via Laser Pro
• Accurately book complex loans to the loan accounting system.
• Successfully manage a loan pipeline of 25 transactions: communicating clearly and timely to partners and customers on status and conditions.
• Perform appropriate due diligence tasks, review operational risk components, and ensure conditions precedent are met prior to closing or funding a loan.
• Effectively work with sales partners, customers, legal counsel, and third parties to clear all pre-closing conditions including environmental reports, appraisals, flood determinations, insurance, UCC filings and positions, and title work
• Possess strong verbal and written communication skills to interact efficiently and effectively with internal business partners, legal counsel, and clients.
• Manage and clear post-closing legal documentation exceptions in compliance with bank policy.
• Implement effective controls and proactively initiate action over key client indicators and managing loan closings within established Key Performance Indicators (KPI's).
• Provides exceptional customer service while adhering to Bank policies and controls and regulatory requirements to mitigate operational and reputational risk.
• Ability to maintain a flexible work schedule to meet the needs of business partners.

Skills

Customer service

Verbal & written communication

Time management

Organizational skills

Problem solving

Self-starter

Team orientation

Flexibility

Tools

AFS

Laser Pro

Job description

Title: Sr Private Bank Loan Closer

Industry: Banking

Type of role: Direct Hire, hybrid (4-days in office a week)

Location: Charlotte

Compensation: 65K - 85K based on years of relevant experience

Description

In the Senior Private Bank Closer role, you will be a critical member of the team that is responsible for ensuring loans with complex loan structures or documentation requirements are closed and documented in accordance with the credit approval. You are responsible for accurately booking and disbursement activities. Additionally, you are responsible for performing appropriate due diligence tasks, ensuring operational and regulatory risk adherence practice, and confirming conditions precedent are met prior to closing of a loan. This role has a particular focus on support for our Private Bank with Commercial Real Estate (CRE), C&I, and other niche financing needs. As part of the Commercial Loan Operations team, you will thrive in this role by possessing strong verbal and written communication skills to interact efficiently and effectively with internal business partners, legal counsel, and clients. Lastly, you are expected to act as a subject matter resource to other loan closers on the team.

Responsibilities

• Serves as a senior loan closer and subject matter resource for other loan closers on the team.
• Knowledge of Federal regulations, loan documentation terms and conditions including credit agreements, notes, guarantees, and collateral is required as you will act as a gate keeper for certain compliance and reporting requirements.
• Responsible for ensuring loans are closed and documented in accordance with the Citizens credit approval procedure.
• Accurately prepares loan documentation for closing via Laser Pro
• Accurately book complex loans to the loan accounting system.
• Successfully manage a loan pipeline of 25 transactions: communicating clearly and timely to partners and customers on status and conditions.
• Perform appropriate due diligence tasks, review operational risk components, and ensure conditions precedent are met prior to closing or funding a loan.
• Effectively work with sales partners, customers, legal counsel, and third parties to clear all pre-closing conditions including environmental reports, appraisals, flood determinations, insurance, UCC filings and positions, and title work
• Possess strong verbal and written communication skills to interact efficiently and effectively with internal business partners, legal counsel, and clients.
• Manage and clear post-closing legal documentation exceptions in compliance with bank policy.
• Implement effective controls and proactively initiate action over key client indicators and managing loan closings within established Key Performance Indicators (KPI's).
• Provides exceptional customer service while adhering to Bank policies and controls and regulatory requirements to mitigate operational and reputational risk.
• Ability to maintain a flexible work schedule to meet the needs of business partners.

Qualifications, Education, Certifications and/or Other Professional Credentials

• 5+ years of relevant experience in commercial loan closing with knowledge of CRE and C&I practices and policies
• 5+ years high-touch, customer service experience
• 5+ years computer skills- ability to work with desktop applications and systems.
• Working knowledge of commercial loan documentation
• Experience with AFS and Laser Pro are a plus
• Exceptional customer service and communication skills
• Solid understanding of commercial real estate transactions
• Self-starter with the capacity to work independently with minimal supervision
• Highly motivated and team-oriented
• Ability to manage and resolve moderately complex problems in a fast paced environment
• Excellent time management skills with the ability to effectively manage a pipeline of credits, independently prioritizing activities.
• Strong organizational skills with the ability to manage multiple priorities in a time sensitive environment while maintaining service level agreements