FT Commercial Lending Specialist II Smile Center

JOB SUMMARY

Responsible for performing a variety of complex clerical and operational duties to support the efforts of the Commercial Lending Division with the Centralized Lending Unit (CLU). The Commercial Lending Specialist II handles complex processing underwriting and documentation of complex commercial loans; including collection and verification of the accuracy of the information being provided. This individual works with lending personnel to acquire necessary documentation to ensure compliance with banking regulations and policies.

DUTIES AND RESPONSIBILITIES

• Process complex commercial loan applications
• Underwrite loan applications for proper documentation and compliance including review of loan grading collateral valuation and property searches
• Coordinate and complete data entry for complex commercial loan documentation
• Underwrite commercial applications for proper documentation and compliance
• Prepare complex commercial commitment letters
• Review attorney prepared documents for proper documentation and compliance
• Prepare settlement packages
• Coordinate settlements with lenders and title companies to ensure fast turnaround times
• Routinely incorporate compliance (knowledge of laws/regulations/policies) in day-today tasks
• Review loan error log to verify any missing items have been received and/or corrected
• Respond to questions concerning all aspects of commercial loan documentation If properly authorized approve loan requests within lending authority and deny credit requests in accordance with loan policy
• Verify and validate insurance taxes and other underwriting controls to ensure compliance
• Review entries into workflow and income tracking pipeline for reporting
• Review all commercial requests for potential CRA credit
• Coordinate lending policies and procedures with manager staff other branches and bank operating departments
• Coordinate and testing updates to Loan Origination Systems
• Perform other duties as assigned including occasional special projects alone or as a member of a group or committee
• Promote and preserve JBTs values and culture
• Follow Bank policy and procedure to prevent fraud and financial crimes
• Other duties as assigned

SKILLS REQUIRED

• Ability to operate the following office equipment: adding machine telephone multifunction devices personal computer including the MS Word and Excel applications and Internet
• Exceptional time management and organizational skills
• Excellent communication and interpersonal skills
• Proficient mathematics skills
• Thorough working knowledge with loan documentation requirements and government regulations
• A thorough understanding of the requirements and features of loan programs offered by the bank (rules and regulations policies underwriting pricing practices)
• Expertise in commercial lending documentation
• Ability to interpret policies/procedures and loan documents
• Strong attention to detail and accuracy
• High level of keyboard proficiency
• Ability to successfully handle confidential materials
• Work well independently
• Ability to successfully work in a fast-paced environment
• Ability to multitask
• Ability to lift approximately 25 pounds