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Ameris Bank · 12 hours ago

Commercial Loan Closer (Remote in Atlanta, GA or Jacksonville, FL)

United States

Full-time

Remote

Mid Level

3+ years exp

Ameris Bank is a purpose-driven company dedicated to bringing financial peace of mind to communities. They are seeking a Commercial Loan Closer who will coordinate and prepare loan documentation, ensuring accuracy and compliance with loan approval, federal regulations, and state laws.

BankingFinanceFinancial ServicesMortgage

Responsibilities

Facilitates the closing of commercial loans

Reviews loan type, approval terms and conditions, loan policy, federal regulations, and state laws to determine closing requirements and develop a due diligence/closing checklist

Performs due diligence activities for a wide range of commercial loans, applying working knowledge to analyze requirements and effectively administer pre-closing activities

Prepares loan documents on bank’s documentation system, ensuring that documents are prepared accurately with proper terms and conditions as outlined in the loan approval and within standards and requirements

Effectively and efficiently manages a large pipeline of loans at different stages of the closing process while managing workflow and deadlines

Identifies and obtains all necessary third-party reports which may include title, surveys, entity documents, flood determinations, environmental reports and UCC searches

Reviews all reports and documents for accuracy and sufficiency according to bank policy and regulatory requirements

Identifies discrepancies and issues, facilitates resolution, and takes corrective actions

Acts as a liaison with loan officers, attorneys, third party vendors and customers

Executes timely follow up and management of all closing requirements; monitors to ensure deadlines are met

Responsible for ongoing communication with lender and borrower on the status of specific loan requests

Processes disbursement of loan proceeds

Maintain and update electronic checklists to ensure all diligence items are addressed

Manage electronic file organization for all commercial loan files

Meets the Commercial Hubs Standard Service Level Agreements and Quality Control objectives

Provides instructions, guidance and requests to stakeholders ensuring clear, professional communication and efficient processing

Qualification

Commercial loan documentationDue diligence requirementsBanking regulations knowledgeMicrosoft Office proficiencyFinancial covenants knowledgeCommercial loan complianceAnalytical skillsCritical thinkingCommunication skillsOrganizational skills

Required

Intermediate knowledge of commercial loan documentation and various loan structures such as commercial real estate, asset-based lending, general C&I lending, and a wide array of commercial non real estate transactions

Intermediate knowledge of due diligence requirements related to commercial loan transactions including but not limited to corporate documentation, leases, subordination agreements, property management agreements, franchise agreement, borrowing bases, and titles

Stays current on applicable banking regulations and security procedures and practices to prevent fraud or other bank losses and to comply with regulatory requirements

Intermediate skills in computer and Microsoft Office

Able to effectively and persuasively express self, using language and grammar in a professional manner

Able to plan, schedule and organize professional schedule to achieve goals within or ahead of established time frames

Able to provide a high level of interactive service to others, building relationships and addressing identified needs

Able to analyze and record detailed information and produce accurate, high quality work products

Able to research, analyze, identify viable options, draw sound conclusions, and present findings

Intermediate knowledge of financial covenants, business entities, standard and non-standard loan products

Intermediate knowledge of commercial loan compliance policy and closing processes

Able to manage and organize a high volume of documents

Able to read, analyze and interpret commercial loan documents

Able to perform accurate calculations and transactions

Critical thinking and analytical skills required to review all transaction processing (file maintenance)

3 or more years of experience as a Commercial Loan Closer or related role required

Experience using relevant banking and document storage software applications required

High school diploma or GED required

Preferred

Bachelor's degree or equivalent combination of education and experience preferred

Benefits

Medical, Dental and Vision Insurance

Ameris Bank absorbs a major portion of the cost of healthcare. You become eligible for coverage on the first of the month following 30 days of employment

Life Insurance provided at no additional cost to employees

Accidental Death & Dismemberment Coverage

Long-Term Disability Coverage

Paid Sick and Vacation Leave

11 Holidays

Volunteer/Service Day

Employee Stock Purchase Plan

401(k) Retirement Plan

Ameris Bank matches 50% of your first 8% of contributions to the plan

Flexible Spending Accounts

Health Savings Account

Health Reimbursement Arrangement