GrandSouth Bank
  • Greenville, SC, USA
  • Full Time

Primary function

Support consumer and commercial Bank lending team in their efforts to connect customers to financial lending solutions. Ensure credit files are accurate, complete, timely, and in compliance. Process loan documentation and complete loan packages with minimal documentation exceptions. Act as a liaison between the client, closing agents, and the Bank. Provide outstanding customer service by providing a thorough, timely, and accurate response to the customer's inquiries, needs, or concerns.

General Duties

  • Support the consumer and commercial Bank lending team in their efforts to connect customers to financial lending solutions.
  • Responsible for ensuring that all loan documentation is complete, accurate, verified, and complies with bank policy. Ensure integrity of all information. Assemble and compile documents in support of the lending request, such as applications, closing documents, legal documents, letters, forms, government notices, and disbursements of funds.
  • Utilize bank software and established processes to monitor and update receipt of customer financials and requirements and loan documentation. Ensure appropriate data has been keyed and is maintained within the electronic system.
  • Keep the borrower informed of loan status, from the time of application through closing. Answer questions and advise customers regarding loans and transactions.
  • Act as a liaison with Credit Administration to facilitate the collection of personal and financial data from the borrower and to assist in completing applications.
  • Maintain effective communication with the Loan Officers, underwriters, and closing agents throughout the loan process and expedite the collection of information requested. Set and maintain proper expectations with all parties.
  • Process the approved and rejected files by communicating underwriting decisions and conditions to borrowers and outside agents.
  • Order necessary documents and follow-up with vendors/third parties to obtain information in a timely manner. Follow-up with customers, attorneys, insurance companies, and underwriters on missing documents, assignments, final title, and implement corrective actions.
  • Guarantee on-time closing by completing all required pre-closing steps and preparing loan file within required performance standards.
    • Complete a final evaluation and analysis of the completed loan file for accuracy and exceptions and forward to underwriting for approval.
    • Execute proper assignments on titles, DMV forms, property insurance policies, and other such documents to ensure protection against loss on mortgaged property.
    • Prepare loan proceed disbursements, payoffs, and account transfers on behalf of lending customers.
    • Review and process executed loan documents with the required checklists and proper tickets completed for fees collected, and send to Loan Administration for booking.
    • Follow-up with customers, attorneys, insurance companies, and underwriters on post-closing documents, such as recorded mortgages, assignments of leases and rent, final title policies, and implement corrections, as needed.
    • Prepare adverse action letters and checklist for denied loans and send to Loan Administration.
  • Responsible for maintaining security and compliance controls to protect against fraudulent activity and unnecessary risk and ensure customer confidentiality.
  • Pull and distribute reports, such as the documentation tickler report, financial tickler report, past due report, and future maturity report. Review with loan officers and implement corrective actions.
  • Manage relationships with other areas of the bank to ensure optimal customer satisfaction. Confer with underwriters to aid in resolving loan application problems. Work cross-functionally with banking partners and external agents to resolve lending issues, maximize sales opportunities, and provide a full financial experience to customers.
  • Provide a thorough, timely, and accurate response to the customer's inquiries, needs, or concerns.
    • Able to provide a complete range of customer services, including accurately opening accounts, servicing existing accounts, and processing customer transactions.
    • Promote lasting relationships through superior service levels.
    • Maintain knowledge of customer history, account terms, pricing, and bank products and services.
    • Expedite a speedy correction to resolve issues. Follow-up to ensure, not only resolution, but also customer satisfaction.
    • Resolve customer inquiries in such a manner that will result in new or improved sales positions
    • Assist loan officers with modifications and renewals of existing loans.
    • Quote payoffs and prepare payoff documentation.
    • Assist customers with draws, payments, change of addresses, payoff quotes, tax return information, and numerous other servicing issues.
    • Monitor insurance cancellations and contact the customer to resolve issues and update files.
    • Accept payment on accounts.
    • Daily monitoring of overdraft activity on deposit accounts. Discuss account actions with account officers by daily cutoff time.
  • Field calls from prospective customers. Accurately identify customer needs through meaningful conversations and promote financial ideas and bank solutions. Make referrals to Bank loan officers and facilitate customer meetings.
  • Actively participate in staff meetings and strategic planning in support of branch sales and service goals.
  • Train new Lending Assistants.
  • Work with confidence, consistent accuracy, and minimal supervision.
  • Works well with all members of the team
  • Other duties as assigned by management

 Work experience requirements

  • 5 years or more of small business or commercial lending administrative support 
  • General tax returns knowledge.
  • Able to read, interpret and apply applicable laws, rules, regulations and/or policies and procedures.
  • Ability to solve problems.
  • Must be computer proficient with Microsoft application skills
  • Ability to make personal connections, engage customers, and always act in a courteous and professional manner.
  • Excellent time management and organization skills.
  • Excellent listening and verbal and written communication skills and the ability to interact professionally in a collaborative environment with a diverse group of internal and external contacts.
  • Ability to prioritize and handle multiple assignments concurrently in a high-paced environment.
  • High attention to detail.
  • Ability to learn products, services and procedures of the retail banking operations, financial industry, and market competition quickly and accurately to meet policy and regulatory requirements
  • Ability to comprehend and adhere to all Federal and State banking regulations including compliance with the bank's Bank Secrecy Act/Anti Money Laundering (BSA/AML) program.
  • Compliance to the Truth in Lending/Dodd Frank/Truth in Lending Act qualification requirements for Loan Originators and SAFE Act.

 Education requirements

  • High school diploma or equivalent
  • Notary or ability to obtain may be required.
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