Commercial Loan Closer

**JOB FUNCTION:** Responsible for facilitating the commercial loan closing process via timely and accurate preparation and review of commercial loan documentation. Responsible for identifying and resolving any/all issues prior to closing, and for ensuring commercial loan documentation and closing packages adhere to the loan approval, loan policy/procedures, and compliance with banking regulations. **DUTIES & RESPONSIBILITIES:** - Responsible for ensuring commercial loan documentation packages are complete and ready for closing - Responsibility and authority to deny or delay loan closing based on findings of the commercial loan documentation package review - Review commercial loan packages for: - Completeness, accuracy, and legality of the documentation - Compliance with regulatory requirements - Adherence to bank policy/procedures - Adherence to all terms, conditions and requirements of the loan approval - Ensure adequate approval authority is obtained - Collaborate with Loan Processors, Lending Assistants and Commercial Lenders to ensure all documentation and due diligence is completed accurately prior to loan closing - Makes decisions, recommendations and provides guidance to Loan Processors, Lending Assistants and Commercial Lenders for additional documentation as applicable - Review for Home Mortgage Disclosure Act (HMDA) compliance, as applicable - Verify flood and hazard insurance requirements are met/fulfilled, including but not limited to validation of coverage and documentation of loss payee - Ensure compliance with SBA requirements, including but not limited to validation of SBA Authorization against Bank loan documents - Coordinate handoff to booking and funding - Maintain a thorough understanding of the documentation requirements of commercial loans and SBA loans - Perform other duties as assigned - Position is not remote **MINIMUM QUALIFICATIONS** **:** **Work Experience** - 5 + years commercial loan documentation experience to include experience in commercial loan documentation review, quality control, and/or audit review - Working knowledge of commercial loan documentation, loan policy, and banking regulations - Strong decision making and organizational skills with attention to detail **Preferred Experience (optional)** - Commercial loan processing - Experience in closing C&I and CRE loans - Experience with the LaserPro loan documentation software - Experience with Jack Henry Silverlake Core Processing System and Jack Henry Synergy Imaging - Working knowledge of Small Business Administration (SBA) Standard Operating Procedures **Supervisory Experience** - NA **Education/Skills** - Bachelor’s Degree or Equivalent business experience in commercial banking loan servicing or loan administration, internal audit, risk management, quality assurance or quality control - Basic accounting knowledge - Strong organizational skills with the ability to work in dynamic environment, that demands the ability to manage multiple and often competing priorities - Strong interpersonal skills and problem solving skills - Detail oriented, with a high degree of accuracy - Excellent customer service skills **Equipment/Machines/Software** - Excellent computer literacy in all Microsoft Programs (Outlook, Word, Excel, Power Point) - Proficiency in Adobe Reader and various internet browsers - Experience with smart device(s), dual monitors, copier, fax, scanner, phone system, printers, calculators, telephone headsets and other electronic devices - Core loan processing system and imaging system experience **Competency Requirements** - Ability to resolve conflict and provide resolution professionally and in an empathetic manner to customers - Ability to work independently with minimal supervision, take initiative, and make effective decisions - Ability to read and interpret loan documents & data to others - Professional verbal and written communication skills, on the phone and in person - Proven organizational skills with ability to multi-task…