Loan Document Specialist II - Consumer

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* Prepare consumer loan documents within the bank’s portfolio to ensure adherence to lending regulations, lending compliance, and the bank’s credit policy.
* Coaches and guides employees on best practices for documentation processing, regulatory compliance and efficient production of documents.
* Seeks to obtain immediate resolution and clarification on outstanding documentation issues with Sales, Credit and/or Legal.
* Solicits opinions and coordinates reviews with legal counsel. Implements disclosures and other regulatory requirements as instructed by legal and compliance.
* Works directly with Manager to establish streamlined processes and clear performance standards for the staff.
* Responsible for the measurement of team members and tracking of performance to determined standards.
* Cross-trains staff and continues to enhance internal processes in order to maximize productivity and quality standards.
* Process all consumer loan modification requests which includes checking file for check-in & prepare documentation; renewal, deferral, modification.
* Process and complete all consumer denial/fallout applications
* Provide support to Loan Officers/Lending Team to process the loan according to established policies, procedures and regulatory guidelines.
* Is responsible for understanding and ensuring compliance with regulatory issues including but not limited to TRID, RESPA, FDPA, HMDA, HPML, and Regulation

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* Assist management in the preparation for and during audits and exams.
* Supervises assigned staff providing services to community banks to ensure Service Level Agreements and quality standards are met.
* Provides coaching, counseling and discipline as appropriate
* Ensures appropriate scheduling for work group.
* Evaluation of work group’s productivity.
* Participates in recruiting, hiring & training.
* Provides leadership and support to assigned work group and other loan operations staff members when appropriate.
* Must be very customer centric and able to manage large volumes of documentation requests while maintaining a high level of accuracy and quick turnaround.
* Maintains an essential understanding of Bank-wide origination and credit approval process while establishing priorities based on the strategic and tactical directions of the bank.
* Is the subject-matter expert and key representative for assigned work group.
* May participates as requested on enterprise initiatives related to new products and services to ensure successful transition for loan operations.
* Develops successor for assigned area of expertise and responsibilities.
* Maintains awareness of industry trends in regards to consumer originations
* Handles internal customer complaints and escalates issues to Manager as needed.
* Recommends to Manager possible methods to improve department.
* Completes all required compliance exams on a yearly basis.
* Adherence to all First United Policies and Procedures.
* Dresses professionally.
* Other duties as assigned by Manager.
* High school diploma or GED required but preferred Associates or Higher.
* Strong understanding of financial institution products and services.
* Minimum 3 to 5 years of progressive experience in Banking/Financial Services
* Minimum two years of hands-on experience with preparing or reviewing loan documentation, preferably consumer loans
* Conduct themselves with the highest levels of professionalism and personal integrity at all times with a constant awareness of how their individual behavior reflects on their department and the organization as a whole.
* Relationship management skills necessary to build relationships across business, operations and credit is required.
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