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Position Summary
The Consumer Loan Documentation Specialist role is responsible for preparing reviewing and validating consumer loan documentation in accordance with approved loan terms internal policy and applicable federal and state regulations. This role performs critical first-line risk control activities that directly impact regulatory compliance customer experience and the banks ability to perfect and maintain lien position.
Risk and regulatory accountability exist at all levels of this role. Progression through Levels IIII reflects increasing mastery accuracy independence depth of regulatory and policy knowledge and training scope. Tolerance for regulatory or lien-impacting defects does not increase by level.
Essential Duties and Responsibilities
Documentation Preparation and Review
Prepare consumer loan documentation for real estate and non-real estate loans in accordance with approved loan terms internal credit policy and applicable regulatory requirements.
Process consumer loan modifications including renewals deferrals and other modification requests in accordance with approved terms and applicable requirements.
Review system-generated documents to ensure accuracy completeness and alignment with loan approvals.
Identify discrepancies missing information or documentation defects prior to closing and take appropriate corrective or escalation action.
Regulatory Compliance and Risk Identification
Apply consumer lending regulations including but not limited to TRID RESPA HMDA HPML FDPA and Regulation B.
Identify documentation regulatory or collateral risks that could result in compliance violations customer harm or impaired lien position.
Escalate exceptions risks or unclear requirements in a timely and appropriate manner.
Collateral and Lien Suppor t
Review collateral documentation including title and lien documentation to confirm requirements are met to establish and perfect the banks security interest.
Verify appraisal flood environmental title and other collateral support requirements are complete accurate and sufficient for the loan type and collateral.
Ensure documentation supports enforceability and compliance with internal and external requirements.
Collaboration and Issue Resolution
Partner with Loan Officers Lending Teams Credit Administration and Compliance to resolve documentation deficiencies or clarify approval terms.
Support Community Bank personnel by answering documentation requirements and processing questions or escalating when additional guidance is needed.
Research and analyze documentation or compliance questions to support accurate and timely file completion.
Workload Management and SLA Prioritization
Independently prioritize assigned workload to meet SLA expectations and minimize aged delinquent or time-sensitive work.
Audit Quality and File Maintenance
Support internal audits regulatory exams and quality assurance reviews by ensuring loan files are complete accurate and properly documented.
Process denied withdrawn and fallout applications to ensure regulatory and documentation completeness.
Maintain and image complete loan and collateral files so records are accurate accessible and audit-ready.
Additional Responsibilities
Participate in process improvement efforts related to documentation workflow quality customer/member experience and risk reduction.
Complete required compliance regulatory and job-specific training within assigned timeframes.
Provide support during internal audits regulatory exams and quality reviews by researching questions and supplying accurate documentation.
Perform other duties as assigned based on business need.
Level-Specific Expectations
Level I Foundational
Focus: Learning execution and foundational risk identification.
Develops working knowledge of consumer lending documentation systems policies and regulatory requirements.
Performs documentation preparation and review with defined accuracy standards while progressing from understanding how tasks are completed to why requirements exist.
Identifies potential risks and documentation issues and escalates appropriately.
Level II Proficient
Focus: Independence consistency and peer support.
Demonstrates deeper knowledge of consumer lending regulations internal policy and documentation standards.
Independently identifies and resolves the majority of documentation compliance and collateral issues without prompting.
Serves as a peer trainer and informal reviewer for Level I team members.
Level III Advanced
Focus: Advanced expertise and extended training scope.
Applies advanced knowledge of consumer lending regulations state-specific requirements and internal policy to complex or non-routine scenarios.
Serves as a training and support resource beyond immediate teammates and assists leadership in resolving complex documentation compliance or lien-perfection issues.
Qualifications
Education
High School diploma or equivalent required.
Associates and/or Bachelors degree preferred
Experience
Preferred experience in consumer loan documentation loan operations or related financial services roles.
Skills & Competencies
Strong attention to detail with the ability to work accurately in a deadline-driven environment.
Demonstrated ability to research analyze and apply procedures regulations and policy guidance.
Effective written and verbal communication skills.
Proficiency with loan systems document management tools and standard office applications.
Uses sound judgment problem-solving and organizational skills to manage complex or time-sensitive tasks.
Provides professional customer service to internal partners and customers/members.
Works independently while maintaining appropriate communication collaboration and escalation practices.
NOTE: This job description is not intended to be all-inclusive. Employee may perform other related duties as assigned by supervisor to meet the ongoing needs of the organization.
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