Salary Range:

$85,400.00 - $140,900.00

(Depending on knowledge, skills, abilities and location.  Certain level jobs may be eligible for bonus, commission, and/or equity awards.)

Posting Date:

January 31, 2025

This job will be open and accepting applications for a minimum of three days from the date it was posted.

Benefits* worth writing home about:

Medical, dental, and vision coverage for employees and their familiesLife, disability and family Leave401(k) and Roth 401(k) with employer matchWellness program, employee assistance program, “Commute Trip Reduction” (CTR) and various employee discounts Generous vacation, sick leave, 11 paid holidays, and 16 hours of paid leave every year for community service workFree employee checking account and employee home loan discounts

*For eligible employees averaging 20 or more hours per week.

EO/AA Employer including Vets and Disabled.

Qualified applicants with arrest and conviction records will be considered in accordance with legal requirements.

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Job Description Summary:

This position is responsible for providing the highest level of support and guidance to the Commercial Banking Department and management by acting as liaison between the Relationship Managers, Portfolio Management, Loan Operations, clients/prospects of the bank, and 3rd party insurance companies. This position may focus on real estate transactions and/or the collection and verification of proper insurance coverage associated with the collateral for new and existing loans across the commercial banking portfolio. The duties and responsibilities of this position include obtaining and analyzing reports, interacting with clients and 3rd party insurance companies to obtain information, oversight in completion of necessary items for loan documentation, providing support and training to other team members and monitoring of data while maintaining compliance with Bank policies and procedures.

Job Details:

PRIMARY FUNCTIONS:

This position may focus primarily on transactions where the predominant collateral is real estate or the collection and proper verification of insurance requirements associated with the collateral for all new and existing loans in the commercial banking portfolio.Take the lead in partnering with Commercial Banking Management and staff, other internal departments, vendors and customers to ensure optimal customer service to Commercial Banking borrowers and prospects.Order 3rd party reports, as necessary (third party reports to include credit reports, background checks, preliminary title, environmental, appraisals, collateral exams, UCC searches and flood determination/notification).This position may focus on transactions requiring more advanced knowledge of layering of entities and ownership.This position may focus on title reports, elimination of exceptions, and escrow closings.Review agreements such as purchase and sale agreements, leases for compliance with loan requirements. May provide recommendations for changes.Review real estate loan doc boarding worksheets from documentation specialists for completeness and accuracy prior to submission.Ensure all documents required for documentation are in hand prior to requesting loan documents; to include entity documentation, compliance documentation, insurance etc.Review loan documentation prior to signing for accuracy and compliance with credit approvalMay coordinate execution of documentation and delivery of documents for boardingAdminister collection of financials and required tickler items from borrowers.Provide training and support to relationship support specialist team.Audit new and renewed credit facility covenants, ensuring that credit approval, loan documents and covenant tracking system align.  Additionally, monitor closed loans, and inactivating covenants as appropriate

QUALIFICATIONS:

Minimum of 9 years’ experience in commercial lending, loan operations and servicing, commercial property and casualty insurance or related experienceExpert knowledge of commercial loan documentation including commercial real estateExpert knowledge of title policies, clearing exceptions and escrow requirementsExpert knowledge of commercial loan concepts and advanced working knowledge of lending principles requiredAdvanced knowledge of banking procedures and policiesHigh school graduate or equivalent requiredStrong written and oral communication skills, attention to detail, spelling, grammatical and proofreading abilitiesProficiency with Microsoft office products (Excel, Word, Outlook)Proficient with keyboarding, alpha and numericMust possess a positive attitude, good judgment, and the ability to accept responsibility and handle confidential informationAbility to meet deadlines and work under pressureMust be detail oriented and have the ability to prioritize tasks consistently throughout each dayAbility to work as part of a team as well as independently and with people of diverse backgroundsPossess strong multitasking capabilities, as well as the ability to troubleshoot and resolve problems quickly and accuratelySkill in composing and producing professional correspondenceCommitment to providing excellent customer serviceAble to work overtime when needed and maintain regular and punctual attendanceWillingness to assume additional responsibilities/duties/projects as they arise

PREFERRED QUALIFICATIONS

Strong understanding of lender insurance requirements for all commercial banking loan collateral types and expert knowledge in reviewing Evidence of Insurance Accords.Experience in commercial property and casualty insurance.

MENTAL AND PHYSICAL CONSIDERATIONS:

Willing and able to travel occasionally as needed.Able to operate a Personal Computer and view information on a monitor for extended periods.Must be able to sit for many hours each day.Must be able to communicate via telephone and possess dexterity to include filing documents, reaching and bending.Ability to lift or carry up to 20 pounds.Ability to speak English and express ideas and have difficult conversations in person and over the telephone.Ability to listen and comprehend speech.Ability to problem solve, make decisions, interpret data and information, read, write and organize information in an orderly manner.

WORK ENVIRONMENT:

Normal business office environment with the potential for hybrid options as agreed upon with hiring manager.Ability to sit in artificial light for extended periods of time

This Position Description may not be limited to the Functions and Requirements as outlined, now or in the future. For example, changes in corporate needs, position demands, or individual performance may result in changes to the Functions or Requirements of this position.

Area:

Commercial (Sales)