Lending Specialist

The Lending Specialist provides prompt quality customer service in addition to working in a team environment with other branch and regional lending personnel. Performs a wide range of services related to loan processing, documentation and loan portfolio management, which includes but not limited to preparing various loan worksheets and forms; entity documentation review; facilitation of loan documents signing; maintaining branch loan files;

perfection of loan collateral; loan servicing/maintenance; ongoing monitoring of loan covenants; and resolving customer concerns.

• Review and scrutinize organizational/entity documentation for safety & soundness and CIP (Customer Identification Program) & CDD (Customer Due Diligence) compliance.
• Verify and examine the accuracy of the information and supporting documentation provided during the loan application process
• Initiate the ordering of appraisal reports, credit reports, UCC searches, and other due diligence information required for loan processing and underwriting
• Prepare various worksheets required for approval, order loan documents and identify exceptions accordingly
• Compile documents required for loan closings, i.e. title reports, evidence of insurance, and other related documents
• Facilitate document signing process and address customer questions and concerns
• Assist loan officers with loan portfolio management, i.e. reviewing upcoming maturities, annual financial reporting requirements for follow up
• Supports multiple branches as assigned by Regional Relationship Manager
• Ensure compliance with federal & state, internal regulations, bank security guidelines and procedures
• Maintain open communication with various support departments to reach desired results
• Maintain Notary Commission & perform Notary Public duties for the Bank
• Participate in lending related meetings, training and collaboration including assisting the branch in business development planning

• File Maintenance

• Bank Secrecy Act
• Complaint Documentation Policy
• FDIC Insurance
• Regulation B (ECOA)
• General Operations
• Regulation BB (CRA)
• Loan Products
• Regulation CC
• Loan Documentation
• Regulation DD
• New Account Procedures
• Regulation E (EFT)
• Privacy Laws
• Regulation H (Flood Insurance)
• Safe Deposit Box Procedures
• Regulation X (RESPA)
• Security/Robbery Procedures
• Regulation Z (Truth in Lending)
• UCCs

Complies with all State and Federal Banking regulatory requirements, including but not limited to: BSA, Anti-Money Laundering OFAC, CIP, Financial Elder Abuse Reporting, Sexual Harassment, Information Security and privacy requirements. This position will elevate suspicious activity to supervisory staff and/or BSA department. Completes compliance and other technical training workshops as assigned.

• Basic Mathematics Skills
• Clear understanding of the English Language (Spoken & Written)
• Critical Thinking, Judgment & Problem Solving Skills
• Customer Service Skills
• Microsoft Office Products (Excel, Word, Outlook)
• Strong typing skills
• Time Management Skills
• Ability to actively listen & learn
• Ability to use oral communication techniques to sell products or services
• Ability to respectfully communicate with Supervisors and Co-workers
• Ability to effectively deal with unpleasant, angry or discourteous people

Desk Top Computers

• Scanners

• Requires repetitive movement
• Requires sitting for prolong periods of time
• Requires lifting up 10lb
• Requires using hands to handle, control or feel objects
• Office setting w/controlled temperature

• High School Diploma or equivalent required
• Notary Commission
• Preferred candidates must have 6 months or more commercial loan processing experience within the past three years

• Ability to travel to various bank locations as needed
• Professional business attire
• Some Saturday hours maybe applicable

This job description is not intended to be all-inclusive, and employees will be required to perform additional related work duties as assigned by their immediate supervisor and/or management.

Farmers and Merchants Bank of Long Beach reserves the right to revise or change job duties and responsibilities as the need arises. This job description does not constitute a written or implied contract of employment.