Loan Processor II

Loan Processor II# Loan Processor IILindon - Lindon, UT ## Description
** PRIMARY

JOB PURPOSE:

** Loan Processors are responsible for assessing required documents and will review submitted loan package for completeness and accuracy. Incumbents will work closely with Loan Officers, Loan Assistants, Audit, and Operations, as well as other Bank departments in the course of their job duties.  Superior oral, written, and time management are required skills.
** MAJOR AND ESSENTIAL

JOB RESPONSIBILITIES:

*** Assist with the preparation and review of all loan documentation pertinent to loans and collateral.
* Verify all Borrower’s and Guarantor’s credit reports.
* Review collateral:  + Verify real estate appraisals making sure correct address matches other real estate documents.  + Title Commitments (PR) verifying address, vesting, delinquent taxes, lien positions, etc.  + Review flood determinations ensuring property is not in a flood zone  + UCC Pre-Searches for correct and accurate spelling and punctuation.  + Vehicle Title – verifying who the title will be vested in and making sure there is no other lien on the title.

If there is a current lien, verifying we will be paying other institution off.  + Verify any other collateral that they meet the bank’s policies.
* Pre and post loan closing:  + Review the Presentation and loan documentation checklist.  + Document loan information in Laser Pro with required docs.  + Review loan documents for accuracy prior to sending them to loan assistant and loan officer for final review.  + Complete all required fields in Horizon, including the collateral side.  + File UCC in the appropriate state needed.  

+ Send wires.  + Renew and/or Terminate UCC’s when applicable.
* Reporting and Tickler items:  + Enter Tickler’s for loan items as well as collateral items.
* Review unposted transactions daily. Verifying where funds went and correcting them.
* Demonstrate effective and professional verbal and written communication skills. Correspond with Loan Officers, Loan Assistants and Bank Operations.
* Maintains the highest level of confidentiality with all information obtained.
* Actively participate in training programs to maintain and acquire additional job knowledge and skills.
* Represent the Bank in a manner that maintains and expands positive relations with all customers, prospects and Bank colleagues.
* Perform as a team member in allocating and coordinating the workflow.
* Contribute to the fulfillment of department, company objectives, and goals.
* Comply with all Bank policies, procedures and regulations.
* Meet expectations for attendance and punctuality.
* Other duties as assigned.
** Compliance** – Assists in the Bank’s compliance with all applicable federal and state laws and regulations.
* Develop familiarity with all applicable federal and state banking rules and regulations regarding lending.
* Adhere to all applicable Bank policies and procedures.
* Cooperate with banking Regulators and Auditors.
** Interpersonal/Team Skills** – Cultivate and maintain a professional image and rapport with customers, the public, co-workers, Regulators, Auditors, Bank Management and Directors.
* Positive attitude and the ability to take direction and accept constructive feedback.
* Keep appropriate parties informed of project status, problems, issues, etc.
* Negotiate and attempt to resolve conflicts around projects or work assignments; communicate problems to manager as needed.## Qualifications
** MINIMUM

JOB REQUIREMENTS:

*** Preferred Skills/Experience –   + Willingness to learn and a fundamental curiosity about loan documentation and portfolio management.  +

Experience with bank loan and deposit systems preferred.  + Demonstrated competency with Microsoft Office Suite.  + Detail oriented and analytical thinker.  + Strong organizational and problem-solving skills.  + Ability to multitask in a dynamic environment
* Effective verbal and written communication skills
* Ability to work independently, as well as part of a cohesive team.
* Ability to meet bonding requirements for employment purposes.