Loan Documentation Specialist

Overview

Looking to join a Great Place to Work Employer and become a valued member of our growing team? At Smart Bank, we're not just offering a job; we're inviting you to be a part of a culture built on excellence.

• Upholds Smart Bank Core Values and Core Purpose.
• Adheres to and embraces the Smart Bank Way by Acting Smart, Looking Smart and Being Smart.

• Reviews loan approval package for special covenants, terms, and other information necessary to prepare loan documentation.
• Corresponds with Lender/Loan Administrator to obtain necessary information for document preparation.
• Review Lender’s Title Insurance commitment/search/updates and mortgage related documentation.
• Review flood determination and verify flood coverage approval from Compliance is obtained prior to closing.
• Responsible for entering loan data and preparing all loan documents required for closing and reviewing for accuracy.
• Responsible for preparing security documents such as Deed of Trust/Mortgage, Security Agreement, Assignments, UCC Financing Statements, etc.
• Inputs geo-code, purpose, collateral, and call codes to loan document preparation program.
• Prepare Loan documentation in accordance with the Loan Doc Prep Procedures.

• Required to be familiar with HMDA reporting requirements, identifying loans as such in loan software, and input to loan document preparation program.
• Loan Production KPI is approximately 45-50 loans per month (based on monthly loan totals).
• Maintain draft doc SLA as follows:
  Consumer Unsecured and Cash Secured – 24 business hours;
  Consumer Non-RE all others – 48 business hours; HELOCs and all Commercial – 48 business hours.
• Reported error KPI is 15 or fewer per month (10%).
• Responsible for reviewing fees and disbursements for accuracy.
• Responsible for sending draft documents via nCino to LA and RM prior to QC and document finalization.
• Responsible for delivering loan documents to Lender/Loan Administrator via Pro Sign after draft documents have been reviewed and approved.

• Complies with all applicable federal, state, and local banking and industry related laws and regulations including but not limited to the Bank Secrecy Act.
• Carries out such other duties as may be requested or assigned.

• High School Diploma or equivalent.
• 5 years of banking and customer service experience required.
• 3 years of related loan processing experience required.

None

• Excellent customer service skills.
• Must be capable of handling confidential information in a trustworthy manner.
• Profic level of computer competency including Microsoft Windows (Word, Excel, Outlook), and typing.
• Strong written and oral communication skills.
• Must possess the ability to handle multiple tasks simultaneously, with frequent interruptions.
• Detail oriented and ability to function in a team environment.
• Self-starter.
• Must be able to prioritize and organize daily workflow.
• Maintains a competent level of expertise and knowledge of the requirements of various lending laws, and rules.
• Demonstrates the ability to maintain a positive attitude.
• High level of integrity.
• Able to maintain regular and predictable attendance.
• Willing to accept new ideas and methods and be agreeable to change.

• Able to routinely stand, sit, bend and stoop.
• Frequently and regularly required movements using wrists, hands, and/or fingers.
• Average, ordinary, visual acuity necessary to prepare and inspect documents or products and operate machinery.
• Ability to hear average or normal conversations and receive ordinary information.
• May be required to travel to training sessions or meetings.

Smart Bank can offer you a comprehensive benefits package, including:

• Medical, dental, vision, life, and disability insurance.
• A 401(k) plan with an employer match of up to 4%.
• Generous paid time off (PTO), including a minimum of 3 weeks.
• Smart Flex Days.
• Up to 11 Paid Company Holidays.
• Mental health benefits, include 8 free sessions with a coach or certified professional.
• Paid community involvement opportunities.
• Company-provided apparel at no cost.
• Learning and development opportunities, including professional and career development and tuition reimbursement

Are you ready to be a part of the Smart Bank team and experience all these incredible benefits? We look forward to welcoming you to our exceptional team!