Lending Associate

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Head Office Loans Product Full Time Miami, FL, US

2 days ago Requisition

Provide support throughout the entire loan process, including administrative responsibilities, while ensuring an excellent client experience. Perform other related duties as necessary.

• Provides support to Commercial Bankers with the management of the loan portfolio via preparation of loan documents, funding process, credit file maintenance and coordination of loan closings and delivers service that goes beyond client expectations by showcasing your dedication to assisting clients with a sense of urgency and accuracy.
• Makes the client and associate experience memorable.
• Brings positive energy and confidence to colleagues and clients daily.
• Assist throughout the entire loan process from application to closing and continue to assist the client as the primary contact for loan servicing thereafter.
• Ensure all client requests, issues, and questions are addressed and resolved expeditiously, correctly, and with a cheerful attitude.
• Creating extraordinary client experiences throughout our client’s journey while leading others to do the same.
• Responsible for the day-to-to-today loan administration activities within the Commercial Loan Department, including loan documentation, attend loan closings, ensure loan funding, and monitoring and maintaining files that meet compliance requirements.
• Provides excellent client experience to prospects and clients and is responsible for problem solving, issue investigation and resolution.
• Ensures the accuracy and uniformity of all legal and loan documents and minimizes the risk of loss to the Bank.
• Ensure that all loans are closed and maintained in accordance with State and Federal regulations and Bank policies and guidelines.
• Assists with the preparation of commercial loan closing packages according to guidelines established by the Bank in a timely and accurate manner;
  Reviews loan packages for accuracy prior to delivery to the Banker.
• Coordinate closings with lenders, attorneys, insurance agents and customers
• Order title searches, UCC searches, appraisals and flood certifications as needed.
• Approve the disbursement of closing funds and issues loan proceeds checks and wires.
• Review closed and funded loans for document completion, ensure that loans are booked in a timely and accurate manner.
• Contact settlement agents, register of deeds and title insurance agencies to obtain post-purchase documentation as necessary.
• Maintain a tickler system on outstanding insurance policies and any other post-closing documentation (collateral and exception monitoring) and reports on status during weekly meetings.
• Prepare and process new accounts and fund transfers as related to loans.
• Maintains customer account records and performs basic service transactions such as address changes and accepting loan payments.
• Provide exceptional client service through offering assistance and responding to questions and requests for information for clients.
• Inform Bankers of pertinent information
• Ensure loans are closed and maintained in accordance with regulatory requirements, as well as Bank policies and guidelines.
• Maintain financial statements/tax return reports, exception reports and insurance reports daily and updates loan officers monthly on any outstanding documents needed.
• Review Past Due reports, Balance Summary reports, Closed Account reports and alert Banker to any material changes or upcoming deadlines.
• Fund and authorize the release of loan funds based on loan approvals and contractual requirements.
• Assists Bankers in the development of cross-selling and other sales activities and opportunities when appropriate.
• Remain knowledgeable of all State and Federal lending and documentation regulations as well as Bank policies and guidelines ensuring compliance.
• May be asked to coach, mentor or train others as a subject matter expert.
• Provide support (filing, scanning, email / mail correspondence, etc.)
• Provide back-up support to Loan Assistants.
• Accepts other duties as assigned.
• Liaison between the various internal and external audit/examiner groups and charged with the responsibility to address related questions.
• Must analyze and solve problems that require analytical or innovative thinking and make sound quality decisions that reflect attention to detail,…