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Loan SpecialistLegacy State Bank

Job Start Date:02/01/2023Type of Position:Full Time

Number of Openings:1

Job Location & Contact:

3825 Harrison Rd

Loganville, GA30052

770-554-2265

Job Description:

This position is a hybrid of roles within the Loan Department, supporting Legacy State Bank’s Loan Operations department for accomplishment of company goals and objectives and to enhance profitability of Legacy State Bank based upon sound loan procedures. This position serves as the Bank’s primary Consumer Lender, effectively managing all consumer loan requests. In addition, this position is responsible for supporting other lenders by accurately processing loan requests and preparing closing packages in accordance with established procedures. Serves as the Bank’s primary Consumer Lender. A. As a Mortgage Loan Originator, manages and processes requests for real-estate loans, for both, in-house and secondary mortgages. B. Responds to inquiries; effectively educating customers on loan products and options available to mitigate potential steering risk. C. Accepts and manages requests for home equity lines of credit and consumer, non-real estate loans. D. Adheres to timing requirements associated with consumer lending. E. Arranges and attends loan closings. F. Maintains a working knowledge of the loan pipeline report. Manages loan renewals. A. Monitors the loan renewal report and identifies customers for first contact at 90 days. B. Provides call to customers in order to discuss the best way to communicate documents needed for the loan renewal process. C. Provides status updates to Management on the process and identifies and communicates challenges early in the process. Prepares new loan documentation in accordance with established credit matrix and regulations. Follows all established procedures. A. Reviews applications and initial disclosure for compliance and accuracy of information, signatures, dates, etc. Notifies Lender of any outstanding items missing from application and/or loan file. B. Sets up file and orders necessary third party documentation, including, but not limited to, Military Lending Act verifications, appraisals, title checks, geo mapping. C. Reviews all received documentation during the process of the loan for accuracy, appropriate information, signatures, dates, etc. D. Prepares loan documents using loan processing system for each applicable loan type with accuracy and in accordance with the credit approval, credit matrix, and regulations in a timely manner. E. Complies with BSA requirements including the Customer Information Program and Beneficial Ownership. F. Transmits accurate loan document to Lender to meet the customer’s anticipated closing date. G. Ensures closing documents are accurately completed by Borrower(s), Attorney (if required), and Lender. Provides administrative assistance to the Loan Department. A. Courteously answers telephone, providing customer service, and/or directing calls to appropriate staff. B. Provides courteous assistance to customers regarding their current loan status. C. Performs and supports loan servicing in accordance with designated procedures. D. Performs quality control of loan file maintenance.

Experience Required:

• High school graduate or equivalent. • General banking / operations foundation; completion of various related courses, certifications, etc. • Minimum 5 years of banking experience, specifically related to lending/loan operations. • PC proficiency using Microsoft Office including Word, Excel, and Outlook. • Experience working with FIS Banking Systems, including BancPac, FLO, ImageCentre, and FIS Report Management is preferred.

How to Apply:

Email Wendi Spinks at wspinks@legaycstatebank.com

Application Deadline:

Jan 01, 1900

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