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Hancock Whitney · 4 months ago

Commercial Post Closing Specialist

Capitol Commerce - Montgomery, AL

Full-time

Onsite

Entry, Mid Level

2+ years exp

Hancock Whitney is a financial institution seeking a Commercial Post Closing Specialist. The role involves reviewing and analyzing loan documentation for consumer and non-complex commercial loans, ensuring compliance with regulations, and providing outstanding customer service throughout the loan process.

BankingFinancial Services

Responsibilities

Reviews/analyzes closed loan documents for commercial or retail clients and sets documentation tracking requirements for commercial loans (commercial real estate loans, equipment loans, construction loans) or consumer loans (residential real estate loans

Including those subject to RESPA and the related Early Disclosures, Home Equity Lines of Credit, construction loans, titled loans, CD/Savings secured loans, Stock/Money Market/Annuity secured loans, etc.), excluding the most complex loan types, in compliance with bank policy, federal and state regulations

Reviews application/loan credit package for completeness, accuracy and proper approval

Ensures all due diligence was performed and required documentation prepared to properly perfect the bank’s lien and that all documentation requirements are met, to include titles, UCC’s, mortgages, deeds, and title commitments

Coordinates with Documentation Specialists, Bankers/CCAs, outside vendors, attorneys, company’s legal staff, etc. as necessary to obtain documentation

Reviews attorney prepared title work to ensure existing exceptions requiring removal (unpaid taxes, judgments, liens, outstanding notices) were identified, and resolution was achieved, to ensure proper lien perfection

Understanding of state specific loan documentation requirements

Attends compliance, bank-related meetings, seminars, and any other training sessions necessary to become proficient in compliance related areas

Stays abreast of changes to federal and state banking laws and deposit or lending regulations affecting the management, operations, and product offerings of the establishment

Customer relationship knowledge when reviewing closed loan documents

Detailed understanding of the loan origination (application to post closing) process

Understanding of the loan origination and servicing systems and the data requirements to originate and board loan/line transactions

Places high degree of emphasis on providing outstanding customer service for internal and external customers

Independently works to review/analyze loan documentation and ensures quality of work

Initiates imaging process by setting requirements for loans in document tracking/retention software

Identifies 'critical' exceptions in closed package; assists in resolution, as applicable

Utilizes request tracking tool to track productivity and workflow; reviews daily reports to self-manage work in progress

Ensures loan packages are reviewed/analyzed timely, accurately and within accepted service levels

Qualification

Loan documentation knowledgeFederal compliance lawsAnalytical skillsCustomer service skillsCommunication skillsOrganizational skillsProblem solving skillsWork independently

Required

Associate's Degree

2 years of related experience and/or training

A combination of education and experience is acceptable

No certification, licensure or registrations are required to successfully apply for this job; however, the following certifications from Hancock Bank's Computer Based Training (CBT) are required, if applicable, once in this position: Certification in Banking Regulations (Reg. B, Reg. CC, Reg. O, Reg. Z); Certification in HMDA Compliance; Certification in CRA, RESPA, RMR Regulations

Exhibits strong verbal and written communication skills

Ability to communicate with a variety of audiences, to include multiple levels of management

Strong interpersonal and customer service skills and the ability to work well across teams

Self-starter with strong organizational skills

Ability to multi task and prioritize workload in a fast paced environment

Analytical, problem solving, and conceptual skills

Ability to formulate conclusions and recommend course of action based on analysis

Loan documentation knowledge of consumer, commercial, and real estate loans

Knowledge of loan policy and procedure

Knowledge of federal compliance laws and those in the applicable states: specifically, Regulation B – Equal Credit Opportunity Act; Regulation O – Loans to Executive Officers, Directors and Principal Shareholders; Regulation Z – Truth in Lending Act; Fair Housing Act; Flood Insurance Requirements; HUD's Real Estate Settlement Procedures Act (HUD's Regulation X)

Ability to work independently with little supervision

Ability to manage several projects simultaneously

Ability to make decisions independently

Ability to work under stress and meet deadlines

Ability to operate a keyboard if required to perform the essential job functions

Ability to read and interpret a document if required to perform the essential job functions

Ability to travel if required to perform the essential job functions

Ability to lift/move/carry approximately 10 pounds if required to perform the essential job functions