Service Area Post Closing Specialist 1
Location: , Alabama
Description: Hancock Holding Company is hiring Service Area Post Closing Specialist 1 right now, this job will be dwelled in Alabama. For detail informations about this job opportunity kindly read the description below. As an associate of the company, you must share a passion for the Core Values. Associates must have a world-class commitment to customer service while recognizing our customers are bot! h internal and external. Taking personal responsibility and accountability for your own actions yet being able to exemplify teamwork is paramount to exhibiting the core values. Associates are expected to perform their roles in a manner that focuses on the company’s strength and stability. Honoring others, respecting their differences, and acting with honor and integrity is a prerequisite for all associates. These values do not change over time, and remain constant in every situation with every associate. Our core values are the heart of what we do and are made evident throughout the communities where we live and work.
JOB FUNCTION / SUMMARY:
- Reviews/analyzes loan documentation and sets requirements in document tracking software for consumer or non-complex commercial purpose loans, in a multi-state environment
- Reviews/analyzes closed loan documents for commercial or retail clie! nts and sets documentation tracking requirements for commercia! l loans (commercial real estate loans, equipment loans, construction loans) or consumer loans (residential real estate loans including those subject to RESPA and the related Early Disclosures, Home Equity Lines of Credit, construction loans, titled loans, CD/Savings secured loans, Stock/Money Market/Annuity secured loans, etc.), excluding the most complex loan types, in compliance with bank policy, federal and state regulations
- Reviews application/loan credit package for completeness, accuracy and proper approval
- Ensures all due diligence was performed and required documentation prepared to properly perfect the bank’s lien and that all documentation requirements are met, to include titles, UCC’s, mortgages, deeds and title commitments
- Coordinates with Documentation Specialists, Bankers/CCAs, outside vendors, attorneys, company’s legal staff, etc. as necessary to obtain documentation
- Reviews attorney prepared title work to ensure exi! sting exceptions requiring removal (unpaid taxes, judgments, liens, outstanding notices) were identified, and resolution was achieved, to ensure proper lien perfection
- Understanding of state specific loan documentation requirements
- Attends compliance, bank-related meetings, seminars and any other training sessions necessary to become proficient in compliance related areas
- Stays abreast of changes to federal and state banking laws and deposit or lending regulations affecting the management, operations and product offerings of the establishment
- Customer relationship knowledge when reviewing closed loan documents
- Detailed understanding of the loan origination (application to post closing) process
- Understanding of the loan origination and servicing systems and the data requirements to originate and board loan/line transactions
- Places high degree of emphasis on providing outstanding customer service for internal and ! external customers
- Independently works to review/analyze loan ! documentation and ensures quality of work
- Initiates imaging process by setting requirements for loans in document tracking/retention software
- Identifies “critical†exceptions in closed package; assists in resolution, as applicable
- Utilizes request tracking tool to track productivity and workflow; reviews daily reports to self-manage work in progress
- Ensures loan packages are reviewed/analyzed timely, accurately and within accepted service levels
- Associate's Degree
- 2 years of related experience and/or training
- A combination of education and experience is acceptable
- No certification, licensure or registrations are required to successfully apply for this job; however, the following certifications from Hancock Bank’s Computer Based Training (CBT) are required, if applicable, once in this position:
o Certification in HMDA Compliance
o Certification in CRA, RESPA, RMR Regulations
MINIMUM REQUIRED KNOWLEDGE:
- Exhibits strong verbal and written communication skills
- Ability to communicate with a variety of audiences, to include multiple levels of management
- Possesses strong interpersonal and customer service skills and the ability to work well across teams
- Is a self-starter with strong organizational skills
- Has the ability to multi task and prioritize workload in a fast paced environment
- Possesses analytical, problem solving and conceptual skills
- Ability to formulate conclusions and recommend course of action based on analysis
- Loan documentation knowledge of consumer, commercial and real estate loans
- Knowledge of loan policy and procedure
- Knowledge of federal compliance laws and those in the applicable states; speci! fically Regulation B â€" Equal Credit Opportunity Act; Regulation O â€"! Loans to Executive Officers, Directors and Principal Shareholders; Regulation Z â€" Truth in Lending Act; Fair Housing Act; Flood Insurance Requirements; HUD’s Real Estate Settlement Procedures Act (HUD’s Regulation X)
- Ability to work independently with little supervision
- Ability to manage several projects simultaneously
- Ability to make decisions independently
The company has identified a set of core competencies that are vital to our business achieving a competitive advantage and delivering a unique value to our customers. These competencies are the skills, knowledge, and abilities each and every associate must exhibit to fulfill this competitive advantage.
- Organization and Planning: Detail- and results-oriented; develops realistic action plans
- Commitment to Excellence: Sets and achieves challenging goals; measures self against a standard of excellence
- Resilience and Balance: Ma! intains a stable performance and can be effective under pressure
- Interpersonal Versatility: Treats all people with respect and honor along with sensitivity to cultural differences
- Influence: Approaches work and fellow associates in a manner that portrays leadership, respect, trust, courtesy, empathy, and integrity
Cognitive Competencies: Verbal Comprehension, Judgment & Decision Making, Business Skills Application, Organizational & Planning, Strategic Thinking
Motivation Competencies: Commitment to Excellence, Energy, Optimism,
Interpersonal Competencies: Listening, Interpersonal Skills, Collaborative
ESSENTIAL MENTAL & PHYSICAL REQUIRMENTS:
- Ability to work under stress and meet deadlines
- Ability to operate a keyboard if required to perform the essential job functions
- Ability to read and interpret a document if required to perform the e! ssential job functions
- Ability to travel if required to perfor! m the essential job functions
- Ability to lift/move/carry approximately 10 pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division an “undue hardship†then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement.
This job description is only valid as of the date it was revised. Please contact the HR Compensation Department to obtain the latest version. Information contained herein should be treated as confidential to Hancock Holding Company.
NOTHING IN THIS JOB DESCRIPTION RESTRICTS MANAGEMENT'S RIGHT TO ASSIGN OR REASSIGN DUTIES AND RESPONSIBLITIES TO THE JOB AT ANY TIME
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If you were eligible to this job, please email us your resume, with salary requirements and a resume to Hancock Holding Company.
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This job will be started on: Fri, 25 Oct 2013 02:20:00 GMT
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