Documentation Specialist

JOB FUNCTION / SUMMARY:

Prepares loan documentation for any complex consumer or commercial purpose loan, in a multi-state environment.

ESSENTIAL DUTIES & RESPONSIBILITIES:

Analyzes loan request for loans of various complexity and prepares documentation in compliance with bank policy, federal and state regulations.

Reviews application/approval for completeness, accuracy and proper approval.

Produces documentation for all types of loans, ranging from simple consumer to real estate secured, to highly complex commercial loans.

When applicable, uploads information from Salespro to Laser Pro and reviews for correctness/completeness.

Ensures all required documentation is prepared to properly perfect the bank’s lien and that all documentation requirements are met, to include titles, UCC’s, mortgages, deeds and title commitments.

Coordinates with outside vendors, attorney, etc. as necessary to obtain documentation.

Reviews real estate title work to identify existing exceptions; coordinates with attorney, banker and customer to achieve resolution.

Communicates to lender any issues affecting loan closing; identifies any legal, documentation or policy deficiencies and assists in correction of issues impacting closing.

Reviews attorney prepared title work; identifies exceptions requiring removal (unpaid taxes, judgments, liens, lis pendens notices) and works with attorneys to ensure proper lien perfection.

Places high degree of emphasis on providing outstanding customer service.

Identifies “critical” exceptions in closed package.

Monitors own work to ensure quality.

Fills in for Supervisor during absences or in the distribution of work.

Performs secondary loan review for others.

Initiates imaging process by setting requirements for loans in Info-Access.

Utilizes intranet-based DAC Tracking tool to track productivity and workflow; reviews daily reports to self-manage work in progress.

Ensures loan packages are produced timely, accurately and within accepted service levels.

Mentors and provides training assistance to Documentation Analysts.

SUPERVISORY RESPONSIBILITIES:

None

MINIMUM REQUIRED EDUCATION, EXPERIENCE & KNOWLEDGE:

High school diploma or GED; Associate Degree in Business or a related field preferred

2-3 years loan-processing experience within a Commercial, Consumer, or Real Estate function.

Knowledge of related Banking and Lending regulations

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

Exhibits strong verbal and written communication skills

Ability to communicate with a variety of audiences, to include multiple levels of management

Possesses strong interpersonal and customer service skills and the ability to work well across teams

Is a self-starter with strong organizational skills

Has the ability to multi task and prioritize workload in a fast paced environment

Possesses analytical, problem solving and conceptual skills

Ability to formulate conclusions and recommend course of action based on analysis

Loan documentation knowledge of consumer, commercial and real estate loans

Knowledge of loan policy and procedure

Knowledge of federal compliance laws and those in the applicable states

Ability to work independently with little supervision

Ability to manage several projects simultaneously

Ability to make decisions independently

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.