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JOB FUNCTION / SUMMARY :

• This position is responsible for processing the following for Wholesale Line of Business loans : paid out processing and requests for Hancock Whitney in all five states (MS, LA, AL, FL, TX);
• reviews, researches, and verifies all collateral (real estate and non-real estate secured) and obtains the lender’s approval before if required before releasing;
• reviews, researches, and verifies all negotiable collateral prior to releasing. Processes and prepares subordinations and partial releases;
• responsible for sending Lien Perfection documents to secure Bank’s collateral timely and accurately; coordinates with the local and state governments to ensure all recordings are filed in the appropriate county or parish of record based on the collateral pledged to the Bank’s loan in all five states;

reviews documents for accuracy and completeness before sending to recording agencies (department of motor vehicle or counties or parishes) for vehicle titling and mortgage recordings for all five states.

ESSENTIAL DUTIES & RESPONSIBILITIES :

• Processes Wholesale Line of Business paid outs for five states (MS, LA, AL, FL, TX), specifically high dollar loans.
• Understands Wholesale Line of Business loan transactions secured by real estate (multi collateral high dollar loans).
• Processes special instructions from the Lender (Lender Approval Required).
• Processes subordinations and partial release requests after approval.
• Reviews daily paid out collateral to determine receipt officer approval on required collateral.
• Verifies review and research has been performed to determine accuracy of collateral released.
• Reviews negotiable collateral to perfect liens daily.
• Ensuring that all stocks, bonds, investments, and annuities or life insurance assignments forms are housed and secured daily in collateral vault.
• Ensures that all stocks, bonds, investments, and annuities or life insurance assignments liens are perfected by working expired collateral report.
• Maintains and monitors negotiable collateral dual control.
• Calculates and re-prices loans pledged by Certificate of Deposits.
• Reviews paid out negotiable collateral to determine accuracy and verify officer approvals before releasing daily.
• Monitors released negotiable collateral to ensure delivery to lender, branch or customer as applicable.
• Prints paid reports (daily) from Host System for all five states.
• Images paid-out loans and collateral.
• Updates collateral tracking system.
• Utilizes knowledge of county and parish recording laws and fees for all five states (MS, LA, AL, FL, TX).
• Reviews lien perfection documents for all mortgages, deeds, assignments, UCC and other documents for accuracy and completeness before sending to the appropriate agency for recording.
• Reviews all releases of mortgages, deeds, assignments, UCC and other recording documents for accuracy and completeness before sending to the appropriate agency for recording.
• Utilizes knowledge of the vehicle titling process for all five states (MS, LA, AL, FL, TX).
• Processes all checks, payment tickets and account balancing for collateral management.
• Utilizes knowledge of title notifications updates collateral tracking system, barcodes and scans the images to the correct loan.
• Utilizes knowledge of correcting title or mortgage document rejects by motor vehicle department or parish or county courthouse.
• Communicates effectively with customers, officers, bank associates, and others to obtain information or corrected documents as needed to accompany or replace rejected documents.
• Performs all other duties / special projects as assigned.
• Incumbent is required to comply with all applicable federal, state, and local banking and industry related laws and regulations including but not limited to the Bank Secrecy Act.

SUPERVISORY RESPONSIBILITIES :

This job does not have supervisory duties.

MINIMUM REQUIRED EDUCATION, EXPERIENCE & KNOWLEDGE :

• Associate’s Degree
• Six months to 1 year related experience or training
• A combination of education and experience is acceptable if more than a HS Diploma
• 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
• Ability to learn, or knowledge of, Microsoft Office Products such as Word, Excel, Access, and PowerPoint
• Must be able to establish and maintain a high level of credibility with all levels of internal and external customers.
• Good communication skills
• Detail oriented
• Excellent organizational / planning / project management skills
• Ability to formulate sound conclusions and recommend optimal course of action based on analysis

ESSENTIAL MENTAL & PHYSICAL REQUIREMENTS :

• 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. If the employee is unable to lift / move / carry this weight and can be accommodated without causing the department / division an undue hardship then the employee must be accommodated;

hence omitting lifting / moving / carrying as a physical requirement.

Last updated : 2024-05-20