Senior Closer

Job Description

Job Description

Apply Here : https : / / secure.onehcm.com / ta / SWCBTWG.jobs?ShowJob=704805126 & TrackId=ZipRecruiter

Position Summary :

The Senior Closer is primarily responsible for performing a variety of loan processing and closing functions, ensuring quality loan documentation and adherence to banking regulations,7 CFR Part 5001, and Bank policies and procedures. This position is also responsible for assessing satisfaction of approved credit requirements as well as recognizing and proactively resolving problems in the closing process to ensure accuracy and completion of all necessary loan documents. Additionally, this position will also collaborate with the credit department, clients, attorneys and brokers throughout the loan process. This is a high-level staff position which includes authority to approve loan funding initiatives.

Job Duties / Responsibilities :

• Prepare, process, document, close, and fund Loans in accordance with Bank’s credit policy.
• Review and verify all applicable loan documentation.
• Review and analyze credit approval conditions while working closely with outside counsel in preparing the Closing Checklist and guiding the customer through the closing process.
• Review and approve all required documentation including purchase agreements, corporate documents, lease agreements, landlord subordinations, vehicle titles, etc. as required for the loan.
• Gather and review construction AIA contract, final budget, plans, specifications, builder’s risk insurance, permits, etc. for construction and leasehold improvement projects.
• Process disbursements according to the loan approval and adherence to the  Conditional Committement and Attachment A, including proper documentation collection, equity verification, and draw process as well as communicate any deficiencies to the Closing Manager.
• Use pre- and post-closing checklists to verify loan to approval and approval. Work with post-close audit review to resolve any packaging / closing / disbursement issues.
• Demonstrate and maintain an in-depth knowledge of the various  programs
• Maintain a work area which ensures the safety and confidentiality of all customer records and transactions.
• Understand and comply with Bank Secrecy Act and Anti-Money Laundering Policies and Procedures.
• Confidently embody Community Bank & Trust – West Georgia’s values.
• Represent Community Bank & Trust – West Georgia in the community and at community events.
• Perform all other duties as assigned.

Required Skills / Abilities :

Education and Experience :

Physical Demands and Work Environment :

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions.

While performing the duties of this position, the employee is regularly required to talk or hear. The noise level in the work environment is usually moderate.  Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. The employee frequently is required to use hands or finger, handle, or feel objects, tools, or controls. The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and / or move up to 25 pounds. Onsite work environments are climate controlled. ____________________________________________________________________________

Note :

We are an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, pregnancy, age, national origin, disability status, genetic information, protected veteran status, or any other characteristic protected by law .

This job description is not designed to cover or contain a comprehensive list of activities, duties, or responsibilities that are required of the employee. They may change, or new ones may be assigned at any time with or without notice.  Employees will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments. All duties and responsibilities are essential functions and requirements and are subject to possible modification to reasonably accommodate individuals with disabilities. To perform this job successfully, the incumbents will possess the skills, aptitudes, and abilities to perform each duty proficiently. Some requirements may exclude individuals who pose a direct threat or significant risk to the health or safety of themselves or others. The requirements listed in this document are the minimum levels of knowledge, skills, or abilities. This document does not create an employment contract, implied or otherwise, other than an “at-will” relationship.