Commercial Loan Closing Specialist I

Commercial Loan Closing Specialist I

Ameris Bank is a purpose-driven company, dedicated to bringing financial peace of mind to communities, one person at a time. Whether a customer wants to grow their business, buy a home, or feel confident in their retirement plan, they have a partner in Ameris Bank. We serve customers in our locations across the Southeast, Mid-Atlantic and nationwide through our extensive digital offerings and mobile app.

The Commercial Loan Closing Specialist I coordinates and executes post-closing activities for commercial loans by performing quality control activities, completing transactions and ensuring complete, accurate and compliant loan documentation is delivered for booking and perfection. The position demonstrates the Ameris Vision, Purpose, Expectations and Values. Performs other projects and duties as assigned.

Essential Functions, Duties, and Responsibilities:

• Validates proper execution of loan documents before processing the initial loan funding.
• Performs due diligence activities for commercial loans and effectively administers post-closing activities.
• Reviews all reports and documents for accuracy & sufficiency according to bank policy and regulatory requirements.
• Identifies discrepancies and issues, facilitates resolution and takes corrective actions.
• Tracks and follows up for timely receipt of outstanding executed loan packages from the lender.
• Prepares all necessary payments to third party vendors on each loan transaction.
• Delivers timely recordable documents to the required municipality for lien perfection.
• Establishes and books ticklers for all trailing documents, exceptions and ongoing tickler documents (i.e. UCCs, insurance, flood, etc.) to the tracking system.
• Ensures all trailing documents are ultimately received (i.e. Final Title Policy, Title Opinions, Recorded Deeds/Mortgages, UCCs, etc.).
• Performs review of all closed loan packages to ensure proper execution of documentation.
• Organizes scanned loan file and executes storage procedures for supporting documents.
• Updates status queue for delivery of loan for booking.
• Responsible for ongoing monitoring and maintenance of documentation exception reports.

Required Knowledge, Skills and Competencies:

• Advanced skills in Computer and Microsoft Office
• Ability to effectively and persuasively express self, using language and grammar in a professional manner.
• Ability to plan, schedule and organize professional schedule to achieve goals within or ahead of established time frames.
• Ability to provide a high level of interactive service to others, building relationships and addressing identified needs.
• Ability to analyze and record detailed information and produce accurate, high quality work products.
• Ability to research, analyze, identify viable options, draw sound conclusions, and present findings.
• Knowledge of financial covenants, business entities, and standard loan products.
• Ability to manage and organize a high volume of documents.
• Ability to read, analyze and interpret commercial loan documents.
• Ability to perform accurate calculations and transactions.

Industry and Work Experience:

• 1 or more years of experience in a related role working with commercial loan products, structures and/or documentation.
• Experience using relevant banking and document storage software applications preferred.

Academic:

• High school diploma or GED required.
• Bachelor's degree or equivalent combination of education and experience preferred.

Benefits Available to Employees:

Ameris Bank provides a comprehensive employee benefit package to all eligible employees.

• Medical, Dental and Vision Insurance
• Ameris Bank absorbs a major portion of the cost of healthcare. You become eligible for coverage on the first of the month following 30 days of employment
• Life Insurance provided at no additional cost to employees
• Accidental Death & Dismemberment Coverage
• Long-Term Disability Coverage
• Paid Sick and Vacation Leave
• 11 Holidays
• Volunteer/Service Day
• Employee Stock Purchase Plan
• 401(k) Retirement Plan
• Ameris Bank matches 50% of your first 8% of contributions to the plan
• Flexible Spending Accounts
• Health Savings Account
• Health Reimbursement Arrangement
• Supplemental Life & Other Insurance Plans
• Identity Theft Protection
• Pet Insurance
• Legal Insurance
• Employee Assistance Program
• Employee Advocacy Program
• Tickets at Work (Entertainment discounts for Ameris Bank Employees)
• AT&T Employee Discount
• Wellness Discounts for Medical Premiums and Other Rewards
• Employee Referral Incentive
• Education Assistance
• Employee Resource Groups

Banking Advantages for Employees:

• Free Interest Checking
• Free Safe Deposit Box
• Free Money Orders, Travelers' Checks and Cashier Checks
• Discount on Mortgage Origination Fee
• Free Online Banking and Free Unlimited Online Bill Payment
• Employee Banking Perks

Disclaimer:

The above job description is meant to describe the general nature and level of work being performed; it is not intended to be construed as an exhaustive list of all responsibilities, duties, and skills required for the position.

All job requirements are subject to possible modification to reasonably accommodate individuals with disabilities. Some requirements may exclude individuals who pose a direct threat or significant risk to the health and safety of themselves or other employees.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

This employer is required to notify all applicantss of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.