The Commercial Loan Documentation Specialist position is responsible for preparing and reviewing loan documentation for commercial real estate loans, preparing commercial loan modifications, and providing support to Community Banks for commercial non-real estate loans while ensuring federal regulations and internal policy and procedures are met.

MAJOR DUTIES AND RESPONSIBILITIES (ESSENTIAL FUNCTIONS)

• Prepare commercial loan documents within the bank's portfolio to ensure adherence to lending regulations, lending compliance, and the bank's credit policy.
• Review prepared documents for accuracy and consistency with approval requirements.
• Review collateral support documents such as title commitments.
• Confirm appraisal and/or environmental reports are completed with appropriate review/sign off (subject to regulatory compliance).
• Process, review and upload complete loan and collateral files to ensure that established standards are met, including compliance with federal regulations and adherence to Bank lending policy as well as ensuring that the Bank's security interest is established, and our lien position is upheld.
• Process all commercial loan modification requests which includes checking file for check-in & prepare documentation; renewal, deferral, modification
• Process and complete all commercial denial/fallout applications
• Provide support to Loan Officers/Lending Team to process the loan according to established policies, procedures and regulatory guidelines.
• Ensure compliance with regulatory issues including but not limited to TRID, RESPA, FDPA, HMDA, HPML, and Regulation B.
• Independently prioritize workflow to maximize production turn around and minimize administrative delinquencies.
• Work stale dated loans in system for decline/withdraw completeness
• Assist management in the preparation for and during audits and exams.

ADDITIONAL DUTIES AND RESONSIBILITIES

• Maintains a professional work/copy room environment.
• Assists other departments as needed.
• Handles internal customer complaints and communicates issues to supervisor as needed.
• Recommends to supervisor possible methods to improve department efficiency.
• Completes all required compliance exams on a yearly basis.
• Adherence to all First United Policies and Procedures.
• Dresses professionally.
• Perform all other tasks assigned by Supervisor including departmental projects.

EMPLOYEE SPECIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and Work Experience

• High school diploma or GED required
• Minimum one year working experience in the loan area of a banking institution
• Six months to one year of hands-on experience with preparing or reviewing loan documentation
• Good understanding of financial institution products and services preferred

Technical/Functional Competencies

• Good understanding of computer spreadsheet and word processing programs.
• Strong understanding of loans and loan products preferred.
• Ability to initiate tasks and projects with little or no supervision.

• Exceptional customer service skills.
• Good problem-solving and decision making skills.
• Demonstrates good judgment.
• Strong organizational skills.
• Strong interpersonal skills and ability to work well with a wide range of people.
• Ability to communicate well with internal customers by all means of communication including written, verbal, and non-verbal communication.
• Willingness to accept additional responsibilities
• Dependable and adheres to time lines and schedules.
• Takes initiative in development and completion of projects.

NOTE: This job description is not intended to be all-inclusive. Employee may perform other related duties as assigned by supervisor to meet the ongoing needs of the organization.

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