Commercial Lending Specialist

• Reviews loan document packages and ensures all documents are present to ensure Bank’s position.
• Identifies and cites loan exceptions as appropriate to ensure the communication of documentation issues.
• Able to interpret and book collateral associated with complex commercial loans.
• Book basic commercial loans, including lines for Letters of Credit and bought participations.
• Identify simple contradictions in documentation/booking requests and seek resolution from RM and/or Credit Officer.
• Facilitates simple validation of borrowing entity.
• Ability to work in on-line, image enabled work queues to ensure timely processing of tasks.
• Effective utilization of “dual monitor” environment.
• Ability to work in and support virtual team environment.
• Cross-site partnering
• Best practice sharing.
• Accurate identification and indexing of task related documents.
• Answer customer’s basic questions and inquiries.
• Prioritize work for self and team.
• Be committed to continuous improvement.
• Effective use of on-line queues to ensure timely processing of tasks.
• Ability to work in on-line imaged enabled work queues.
• Effective utilization of dual monitor environment.
• Support of virtual team environment.
• Accurate identification and indexing of task related documents.
• Cross-site partnering.
• Best practice sharing.
• Research requests to a correct conclusion and effectively communicate the results.
• Attend and participate in documentation and booking classes.
• Able to identify simple contradictions in documentation/booking requests and seek resolution from RM and/or Credit Officer.
• Facilitates simple validation of borrowing entity.
• Apply basic accounting principles.
• Consult with internal client(s) and be able to apply discretionary judgment to accommodate documentation and booking inquiries.
• Act as team champion to assist team members.
• Review and book the most complex loans, which include all restructured and non-performing assets.
• Understand and translate complex loan booking instructions.
• Partner with LOB and other operational areas to reach common goals.
• Build a network of internal/external resources to help achieve his/her goals.
• Take an active approach with clients in Sales and Credit Administration areas toward problem resolution.
• Act as Trusted Advisor with internal clients.
• Obtain and maintain a thorough knowledge of legal rules.
• Takes a leadership role in Loan Services, displaying a positive and motivating attitude.
• Participates in evaluating workflow to maximize productivity.
• Proactive in identifying process improvements to continually improve customer relations and satisfaction.

• High School Diploma or equivalent.
• Knowledge of accounting principles.
• Ability to work under pressure and meet deadlines.
• Ability to make basic judgments and decisions.
• Good understanding of loan documentation and regulations relating to loans, as well as knowledge/experience of the loan accounting systems, monetary processing and some system maintenance functions.
• Proven strong customer service skills and work ethic.
• Proven analytical skills.
• Open minded and adaptable to new ideas in a changing environment.
• Expertise on accounting systems.
• Advanced knowledge of commercial loan documentation.
• Advanced knowledge of loan booking systems (commercial loan accounting system, as well as ancillary systems that provide support to commercial loans).
• Knowledge of commercial/consumer credit policies, products, and compliance regulations.
• Strong communication skills, both verbal and written.
• Fully embraces the high performing team concepts of empowerment, mutual success, and accountability.
• Obtain and maintain a thorough understanding of legal rules.
• Ability to perform and participate in process and product projects.

• Laser Pro Lending
• AutoLoan Booking
• Windows and MS Office Products (Word, Excel)
• Lotus Notes
• CLS
• Hogan
• KeyNet/Key for Business/Key Bulletins
• Basic internet comprehension
• Credit Write-Up Approval (CWA) on RMW platform
• Small Business Underwriting (SBU)
• CRINT (Credit Interface with CWA and SBU)
• Obligor Database
• nCino Credit System
• LoanIQ Loan System
• KVD KeyView Deluxe
• Microsoft Teams
• Outlook

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