Documentation Specialist 1

JOB FUNCTION / SUMMARY:

Prepares loan documentation for all consumer and certain non-complex commercial purpose loans, in a multi-state environment

ESSENTIAL DUTIES & RESPONSIBILITIES:

Analyzes loan request 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 commercial loans, to exclude the most complex loan types

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

Provides excellent customer service in daily interaction with lenders and their clients

Identifies “critical” exceptions in closed package

Monitors own work to ensure quality

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

MINIMUM REQUIRED EDUCATION & EXPERIENCE:

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

1-2 years of clerical office experience; prior banking experience highly preferred

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

MINIMUM REQUIRED KNOWLEDGE:

Exhibits strong verbal and written communication skills

Ability to communicate with a variety of audiences

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

CORE COMPETENCIES

The company has identified a set of core competencies that are vital to our business achieving a competitive advantage and delivering a unique value to our customers. These competencies are the skills, knowledge, and abilities each and every associate must exhibit to fulfill this competitive advantage.

Organization and Planning: Detail- and results-oriented; develops realistic action plans

Commitment to Excellence: Sets and achieves challenging goals; measures self against a standard of excellence

Resilience and Balance: Maintains a stable performance and can be effective under pressure

Interpersonal Versatility: Treats all people with respect and honor along with sensitivity to cultural differences

Influence: Approaches work and fellow associates in a manner that portrays leadership, respect, trust, courtesy, empathy, and integrity

POSITION SPECIFIC COMPETENCIES

Cognitive Competencies: Verbal Comprehension, Judgment & Decision Making, Business Skills Application, Organizational & Planning, Strategic Thinking

Motivation Competencies: Commitment to Excellence, Energy, Optimism,

Interpersonal Competencies: Listening, Interpersonal Skills, Collaborative

ESSENTIAL MENTAL & PHYSICAL REQUIRMENTS:

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.

DISCLAIMER

This job description is only valid as of the date it was revised. Please contact the HR Compensation Department to obtain the latest version. Information contained herein should be treated as confidential to Hancock Holding Company.

NOTHING IN THIS JOB DESCRIPTION RESTRICTS MANAGEMENT'S RIGHT TO ASSIGN OR REASSIGN DUTIES AND RESPONSIBLITIES TO THE JOB AT ANY TIME