Summary: Responsible for initiating and creating complex loan requests for commercial real estate, asset-based lending and participation loans, and also any consumer loans. Position will be responsible for reviewing approved loan requests and creating the necessary documentation to coincide with approved terms and conditions. Position will be responsible for working with lending staff to resolve or clarify any possible deficiencies in loan packages and loading exceptions to the tracking database. Fosters a culture of superior customer service for internal and external customers. Focuses on efficiency and responsiveness within a framework of established policies and regulatory guidelines.
Basic Qualifications:
High school graduate or equivalent education certificate (GED) required AND minimum of 3 years experience working with commercial and loan documentation
Familiarity with the following loan products a plus: Term Loans, Lines of Credit, Commercial Real Estate, Construction Loans, Asset-Based Lending, Standby Letters of Credit, Participations
Proven knowledge of loan information systems, particularly Laser Pro.
Proven ability to interact with internal and external customers in a professional manner to provide exceptional customer service.
Verbal communication skills including the ability to interact professionally with all levels of management
Ability to work independently and be self-motivated
Strong attention to detail and able to take direction
Must have ability to prioritize a variety of tasks, meet deadlines and work well under pressure
Collaborative approach to business solutions.
Ability to interpret and apply laws and regulations
Responsibilities:
Support the consumer and commercial lending process by producing legal documentation required for closing, modification or renewal through timely and accurate input into internal systems.
Manage documentation risk by ensuring attorney prepared documentation and in-house documentation is in compliance with credit approval, secure a valid lien, and confirm all pre-closing requirements are satisfied.
Accumulate and review pre-closing checklist items for conformity to commitment letters and Loan Committee and Board Approvals.
Initiate pertinent loan documents in conjunction with the loan approval specifications, including but not limited to: promissory note, security agreement (if applicable), business agreement, and guaranties (if applicable)
Communicate with loan officers and lending assistants to provide guidance on the correct way to document loan files and remedy existing issues.
Responsible for the research and completion of Certificate of Satisfactions, UCC Terminations, SIF Terminations, etc. for paid off commercial loans.
Reviews compliance worksheets and completes the CRA, Community Development and HMDA reporting into Laser Pro and core system
Manage timely and accuracy of the preparation of loan documents for all types of loans.
Oversees the Post-Closing Documentation review to ensure that all loans are settled appropriately and according to the approved terms.
Participates in both internal and external audits to ensure receipt of vital loan documents.
Assist the SVP Service Delivery Analyst in coaching and mentoring the staff to raise the level of talent throughout the Loan Administration Department.
Participates in the review of process and procedure enhancements to improve operational efficiency, accuracy and quality of work for Doc Prep and Post-Closing.
Banking Policies:
Understand and comply with all Bank policies.
Understand and comply with all applicable Federal and State laws and regulations, including the Bank Secrecy Act, SARs, and Harford Bank security procedures.
Maintain security of customer information and adhere to the Privacy Policy
Complete all required annual compliance training requirements.
Responsible for understanding the Bank's BSA/AML Policy, including satisfactory completion of required annual BSA/AML training as applicable to position and appropriately applying this knowledge to daily activities and responsibilities, specifically understanding that any suspicious activity must be reported to the BSA Officer immediately.
Harford Bank is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, Protected Veteran status, and sexual orientation/gender identity.
Harford Bank will be an independent, locally owned and managed, full-service bank, responsive to the needs of our customers and our community. We are committed to delivering a superior customer experience, providing fulfilling careers, and a competitive return to our shareholders.
In the early 1960s, Harford County was growing into a suburban residential area for Baltimore City. Specifically, the city of Aberdeen, strategically located near rail facilities and major roadways, was expected to see a significant population increase in the coming years. Business development was on the rise and the housing market was expanding.
During that time, Aberdeen’s only independent bank, First National, was unceremoniously absorbed by the Baltimore-based Equitable Trust Company. The merger was largely unpopular with the locals who wanted to maintain a bank owned and operated by members of its local community, and that understood the town’s specific financial needs. Equitable Trust’s takeover prompted a group of young and determined businessmen in the area to organize a neighborhood National Bank which would serve its residents.
In May of 1964, Frederick Viele (lumber dealer and hardware m...erchant), Earl Crabtree (bank consultant and former national bank examiner), Richard Samuels (real estate man and beverage distributor), Charles Oliver (president of Wilson-Oliver Insurance Agency), and Augustine Dolezal (president of Bata Shoe Company, Inc.) realized their dream when Aberdeen National Bank opened its doors to the public. Bank president, Mr. Viele, later noted that, “the Bank is playing an increasingly important part in the thriving Aberdeen and Harford County economy, with banking services tailored to the area which we serve.”
As the Bank began to expand throughout the county, in 1980, Aberdeen National Bank became Harford National Bank to better reflect its reach. In 2001, the Board of Directors officially changed its name to Harford Bank.
We continue to be an independent, locally owned and managed bank committed to our communities, with branches in Harford and Cecil Counties. While the Bank stays true to its mission, it has become a comprehensive financial institution with the ability to offer all the services and conveniences of a large bank, but with the personal attention our customers deserve. Here at Harford Bank, we will always be a neighbor you can count on, just like our founders had hoped.
