Location: Blairsville,GA, USA
Job Title: Retail Credit Loan Admin Specialist I
Salary Grade: 5
Summary: This position is responsible for generating the required regulatory deliverables for Consumer Loan and Small Business Group applications. The role involves completing various reports to ensure applications are routed properly and timely throughout designated workflows. Effective communication and the ability to work under minimal supervision are essential.
Job Functions:
Reporting and Documentation:
* Generate daily reports to identify, produce, and send Homeowner's Counseling Notices.
* Generate daily reports to identify applications with appraisal delivery requirements and send appraisals.
* Log and process returned mail; generate revised notices and/or letters as needed.
Pipeline Management:
* Use various reports generated from Consumer and Small Business Loan Origination Systems (LOS) to monitor applications:
* Route new and renewed applications to fulfilled status.
* Follow up on the Stale Contract Report with lenders to obtain status.
* Ensure approved but not accepted applications with counteroffers have proper documentation scanned to the Director.
* Track credit score disclosures not received for real estate and non-real estate.
* Ensure decline letters are received post-approval.
* Monitor Notes Booked Report for Small Business Group (SBG).
* Track loans in process for SBG.
* Manage auto-renewals for SBG.
Team Support:
* Assist in supporting other department activities as part of the overall team.
Policy/Guidelines/Regulations/Compliance:
* Thorough understanding of all Consumer and Small Business Loan products.
* In-depth knowledge of Consumer and Small Business Lending Credit Policy/Guidelines.
* Comprehensive knowledge of loan documentation, collateral evaluation, lien perfection, and local, state, and federal regulatory requirements.
* Knowledge and utilization of fair lending practices, rules, and loan regulations.
* Ability to confirm that vendor/3rd party items and supporting documentation used for clearing conditions and due diligence items conform to the bank's credit policy/guidelines.
* Knowledge of how to calculate loan-to-value and required insurance amounts.
* Understanding of large and complex credit requests, including multiple funding sources, multiple contracts, complicated equity requirements, curtailments, various rate options, tiered pricing, and purchase contracts or takeout agreements.
Customer Service:
* Promote a team environment.
* Foster a positive working environment with all business partners.
* Focus efforts on maximizing the customer experience.
* Provide timely, complete, and accurate responses to inquiries.
* Handle all situations in a professional, ethical manner.
* Escalate special situations or problems as necessary.
* Support and contribute to the quality and sales goals of the bank.
Productivity:
* Ensure all goals and departmental service standards (SLAs) are met.
* Track and log production statistics as defined by management.
* Manage production in times of fluctuating volumes and consistently support production and turnaround time standards.
* Consistently meet quality and data integrity standards.
* Effectively utilize available systems, workflow, and imaging tools.
Education:
* High School graduate or similar certificate.
* Equivalent experience in an acceptable related field.
Experience:
* 1 - 2 years of work experience in a financial institution with a focus on due diligence and/or loan documentation.
Skills and Knowledge:
* Thorough knowledge of ACTion, 360 View, Navigator, and UCB internal banking systems.
* Strong computer skills with demonstrated knowledge of Microsoft Office products, including but not limited to Excel, Word, and Outlook.
* Knowledge of fundamentals of lending and loan processing for a variety of loans.
* Ability to identify and appropriately escalate issues requiring problem solving and decision making.
Abilities:
* Time management and organizational skills.
* Ability to multi-task.
* Detail-oriented.
* Self-starter, and works with minimal direction.
* Good verbal and written communication skills.
* Interpersonal skills and team-oriented.
* Ability to meet deadlines under pressure.
Compliance:
* Participate in all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc.
OTHER
We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state or local protected class.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Other duties, responsibilities and activities may change or be assigned at any time with or without notice.