Summary

Perform a variety of duties to support loan operations; coordinate work within the department as well with other departments; interacting with and communicating information to credit management, commercial banking staff, accounting department and loan review; complying with operating policies and procedures established for loan operations.

Essential Functions

• Compare Loan Committee approved terms and conditions for new, renewed or modified extensions of credit (amount, maturity, interest rate, payment schedule, etc.) to prepared documentation for completeness and accuracy prior to loan booking and funding.
• Thorough understanding of entities and the legal structure of all debtors.
• Mitigating credit risk through proper review of consumer, commercial, real estate, Construction and Lot loan related loan documentation.
• Coordinate with lending staff to get loans reviewed and booked in accordance with all applicable policies and procedures.
• Conduct all activities related to funding disbursements and perfecting all applicable security interests.
• Review participation loan documents to include the participation agreement, closing documents, disbursement and contact information of participated Bank.
• Reviews and ensures loan files contain documents with proper signatures, approvals, legal description, dates and other relevant data prior to funding.
• Effectively communicate with loan officers, personal bankers, analysts, attorneys and management to ensure the accuracy and integrity of all documents.
• Carries out responsibilities with professionalism and respect for others and within the Bank’s policy; as well to ensure compliance with Federal, State and Banking Regulations. Review of Title Commitments and UCC’s to ensure proper lien status.
• Use of core and LOS systems for verification of credit integrity and collateral perfection.
• Leveraging use of banks LOS for expedited review process.
• Ensuring appropriate tracking of all related covenants and exception related items.
• Other duties and responsibilities as assigned.

 Required Education, Experience, Skills

• 3 years of experience in the banking/financial industry, preferably in Loan/Credit Operations.
• Knowledge of banking industry, loan products and services and, in particular of the bank’s loan policy manual.
• Knowledge of and experience of Banking, Federal, and State, Regulations.
• Knowledge of SBA Loan Requirements, Documentation, Compliance/Regulations.
• Knowledge of attorney prepared and recording documents.
• Knowledge of collateral perfection and UCC filing requirements.
• Knowledge of Title Company documents to include closing statements.
• Strong knowledge of Microsoft programs, Adobe and browser based applications.
• Excellent verbal and written communications skills.
• Excellent organizational and time management skills.
• Must be detail oriented and able to work under pressure.

Equipment Used

• Standard office equipment such as computers, phones and photocopiers

Supervisory Responsibility

• N/A

Working Conditions/Physical Requirements

• Office setting

WestStar is an Equal Opportunity Employer and does not discriminate on the basis of any protected trait, including gender, race, ethnicity, disability, or veteran status.