Loan Collateral Specialist

EOE Statement United Bank is an Affir­mative Action and Equal Opportunity employer. We consider all qualified applicants without regard to race, color, religious beliefs, sex (including pregnancy), sexual orientation, gender, gender identity, marital status, age, physical or mental disability, genetic information, status as a protected or disabled veteran, national origin, or any other protected characteristic as required by applicable federal, state or local law.

About the Organization United Bank is a growing $1.4 billion community bank operating 24 locations in Southwest Alabama and Northwest Florida that is proud to be a certified Community Development Financial Institution. We offer competitive salary and an exceptional benefit package including BCBS medical, dental, vision, 401k with company match up to 5 1/2%, profit sharing, annual bonus opportunity, and more!

Category Clerical

The Loan Collateral Specialist is responsible for ensuring the accurate perfection, tracking, and maintenance of all collateral loan documentation, including but not limited to mortgages, deeds of trust, vehicle titles, UCC filings, and other secured instruments. This role safeguards the institution’s lien position, ensures regulatory compliance, and mitigates collateral related risk.

• Prepare, review, and file collateral documents including:
  • Real estate mortgages/deeds of trust
  • Vehicle titles and lien filings
  • UCC-1 financing statements and amendments
• Ensure timely and accurate lien perfection in accordance with state and federal requirements
• Coordinate with county clerks, DMVs, secretaries of state, title companies, and third‑party vendors
• Monitor recording confirmations and follow up on rejected filings
• Maintain collateral tracking systems
• Verify receipt of recorded documents and original titles
• Monitor ticklers for UCC continuations and renewals
• Investigate and resolve title defects, lien priority issues, and documentation discrepancies
• Work with loan officers and processors to correct documentation deficiencies
• Any other duties as assigned by Management.

• 2+ years of banking experience or clerical experience in a professional office environment
• Strong attention to detail
• Excellent organizational skills
• Demonstrated experience in managing high volume tasks with accuracy
• Proficiency in Microsoft Office products (Outlook, Excel, and Word)
• High school diploma or equivalent

• Associate or Bachelor’s degree in Finance, Business or related fields
• 2+ years of experience working in loan operations, loan documentation, title processing, collateral documentation perfection, or related financial services role.

• Excellent communication skills.
• Ability to manage time and competing priorities in a fast‑paced environment.
• Strong interpersonal skills with the ability to interact with all levels of an organization.
• Collaborative professional skills that lead to a collegial and partnered approach to meeting objectives.
• High motivation with ability to successfully meet individual and team goals while maintaining individual performance over the long term.
• Adaptability and flexibility.
• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to speak or hear, stand, or sit for long periods of time, open filing cabinets, walk, stoop or bend, use hands to handle or feel and reach with hands and arms.
  
  The employee must frequently lift and/or move up to ten pounds, occasionally lift and/or move up to 25 pounds and complete tasks requiring manual dexterity.

This job operates in a professional office environment.

Full‑Time/Part‑Time Full‑Time

Minimum Education High school diploma or equivalent

Position Collateral Services Specialist

Exempt/Non‑Exempt Non‑Exempt

Req Number CLE‑26‑00007

Location Atmore