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- Successfully navigate the essential job functions by using documented procedures and support from leader.
- Proactive self-starter while gaining the skills to manage multiple responsibilities, reprioritization and shifting deadlines.
- Accuracy and attention to detail.
- Critical thinking and judgement skills.
- Strong interpersonal skills; comfortable working with people at all organizational levels; able to adapt to differing communication styles.
- Guided management of the process to track progress toward commercial acquisition and refinance loan closings.
- Prepares and facilitates regular meetings with lenders and analysts.
- Tracks assigned tasks and works with lender and/or leader to meet the closing timeline.
- Orders appraisal, environmental and site visit reports from established third-parties.
- Completes amortization schedules and lender closing costs worksheets.
- Collaborates with leader to review loan documents and discuss open questions.
- Follows an established checklist to ensure complete document packages are in place after closing.
- Booking new commercial loans to the core loan system in a timely and accurate fashion.
- Confirming that ticklers and covenants are established for future monitoring.
- Assembling and electronically filing complete loan packages in a timely manner.
- Assists in the collection and filing of collateral perfection and lien protection items throughout the life of the commercial loan portfolio, including but not limited to:
- Covenant tracking for required financial documents.
- Insurance coverage.
- Recorded Mortgage/Assignment of Leases & Rents and Final Title Policies.
- UCC Filings/Renewals/Terminations.
- Awareness of regulations applicable to commercial loans and deposit accounts including:
- HMDA, for applicable loans secured by residential real estate.
- Other regulatory and legal compliance related to commercial loans and deposit accounts.
- Serves as a contact point for commercial members with questions regarding their Wings commercial loans;
- Takes on assigned daily requests from members such as statements, loan and deposit account questions and completes wires with some guidance from leader or other members of the team;
- Assists past due payments, NSF items, and post-closing item collection tasks;
- Completing projects and special assignments based on department needs that are assigned by their leader.
- High school graduate or GED is required; two-year post-secondary degree is preferred.
- 3 years of customer facing banking experience required; some commercial servicing experience preferred.
- General knowledge of Commercial Deposit Account services and products.
- Maintains current knowledge of Federal and State laws and regulations, as well as industry best practices, including BSA, AML, Patriot Act, CIP, and OFAC regulations and guidelines.
- Proficient in the use of personal computer and software including Microsoft Word, Excel, PowerPoint, Edge and Outlook as well as alternative web browsers.
- Proficient in bank operating platforms.
- Bondable
Commercial Lending Specialist I - St Paul, United States - Wings Financial
Description
PRIMARY PURPOSEThe Commercial Lending Specialist I provides professional, courteous and efficient service to Wings Commercial Services members. The Specialist I will work with their leader and other commercial team members to gain the knowledge and skills needed to effectively support the Commercial membership. The Specialist I will support lenders for acquisition and refinance loans and will be involved in other loan types originated within the Commercial department.
KEY SUCCESS FACTORS