Commercial Loan Processor

Great employees are essential to maintaining the confidence our customers place in us. FGB believes that our employees are our greatest asset as demonstrated in their professionalism and dedication. We encourage open communication and strive to cultivate an environment in which our employees will contribute new ideas and innovations that will help us excel. As we grow, we want YOU to join our team to help fulfill our mission of serving the banking needs in our local communities.

Our full-time employees are eligible for amazing benefits including medical, dental, vision, and basic life/AD&D insurance, prescription drug benefits, long term disability, and salary continuance (short-term disability). In addition, they get paid holidays, paid vacation and sick leave, a tuition reimbursement program, 401k, section 125 cafeteria plan, and the opportunity to earn FGB stock grants. Apply today to enjoy these benefits and more!

Position Summary

The Commercial Processor reviews loan packages and prepares loan documentation based upon information submitted from front line lending staff. Ensures loan documents are accurate, in compliance with all state and federal regulatory requirements, and security documents will ensure lien perfection while meeting deadlines in production environments for commercial and real estate loans.

Essential Duties and Responsibilities

• Assist supervisor with pre-closing review of loan packages submitted for closing documents.
• Review loan requests to ensure accurate documentation/information has been received and uploaded in loan origination system.
• Review closing documents to ensure accuracy and compliance with regulatory requirements.
• Understand and recognize when exceptions to bank policy and procedures are present.\
• Prepare loan documents based upon approval and ensure all regulatory and state requirements have been met.
• Order appraisal, evaluations, and validity checks.
• Order and review title work.
• Pull flood determinations, get flood notice signed if applicable, request insurance and send insurance to be reviewed.
• Communicate with customers to gather documentation, process the loan, and fund the loan.
• Communicate with all departments within the bank if need to process the loan.
• Coordinate loan closings.
• Fund loan proceeds by wire or check.
• Stack loan package to prepare for booking.
• Complete GL entries prior to loan being booked.
• Lead the region's loan renewal efforts by monitoring the future maturity list, contacting customers, and coordinating the renewal process with the Commercial Lenders.
• Assist in working past dues and loan exceptions such as financial, collateral, or covenant exceptions.
• Review all signed loan documents for all signatures required by borrower and lender.
• Interact with lenders and assistants to provide exceptional customer service.
• Complete any training provided by the bank.
• Adhere to BSA/AML policy and all other bank policies.
• Other duties and responsibilities as may be assigned by supervisor.

Minimum Qualifications (Education, Experience, Skills)

• Minimum 1 year of experience in a commercial bank or other financial institution working in a loan production environment or other position related to loans, preferred.
• Knowledge of commercial lending, real estate, loan documentation, lien documentation, as well as state and federal compliance and lending regulations.
• Excellent written and verbal communication skills.
• Ability to work independently, efficiently and innovatively as part of a team.
• Must work well under pressure, meeting multiple and conflicting deadlines.
• Computer skills, including proficiency in Microsoft Word and Microsoft Office.
• Knowledge of Laser Pro preferred.

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 and hear. The employee frequently is required to use hands or fingers, 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. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus.

The noise level in the work environment is usually moderate.

This job description in no way states or implies that these are the only duties to be performed by the employee(s) incumbent in this position. 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.