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Consumer Credit Documentation Coordinator I

Company: Ameris Bank
Location: Roswell
Posted on: January 15, 2022

Job Description:

Ameris Bank is a high-performing community bank providing an exceptional customer experience with well trained, empowered employees. At Ameris, we look outside conventional wisdom and processes to find new answers. This means cutting red tape, empowering our people to make decisions at the local level and creating clear paths and easy touchpoints. We represent energy and passion, a steady strength that is bold and assertive, creativity in thinking and problem solving, a scrappy determination and nimble approach to getting things done, a good natured, genuine and approachable way of serving each other and our customers. We look forward to the future, and what this means for you, if you join our team.We want to fill this position with a qualified applicant who would like to have a long term, rewarding career with our bank. Ameris Bank will be a high-performing community bank providing an exceptional customer experience with well trained, empowered employees.-- - Applicants must be able to demonstrate our core values of Integrity, Respect, Teamwork, Honesty and High Standards.SUMMARY JOB DESCRIPTION:Responsible for overseeing Pre/Post close process, loan closing packages, review of submitted loan applications, subordinations, extensions/modifications; and completing denial/approval process within 30 days of completed application.DUTIES/RESPONSIBILITIES:-- -Review consumer loan file for documentation accuracy prior to loan closing.Review income and adjust DTI.Oversee 3rd party due diligence process, draft a due diligence checklist according to loan type and policy requirements, and take corrective action to cure issues disclosed:Order the appropriate appraisals in a cost effective manner. Interface with appraisers as needed. Upon receipt of completed appraisal, recalculate the loan-to-value, update current loan origination and underwriting system and communicates values with theOrder flood certification, verifying the property is not in a flood plain. If the property is in a flood plain, communicates with the lender so appropriate disclosures areOrder title searches from approved interface or attorney's office-- -when required. When title opinion is presented, recognize and clear up any title problems with the assistance of the lender. Interface with the attorney's office as needed. Updates current-- -loan origination-- -and underwriting-- -system when title search isOrder Nada value and recalculates loan-to-value.Order property survey for clear title search.Submit trust documents for legal review.Provide ongoing communication, timely follow up and management of incoming items from the borrower, attorney and lender.Prepare the loan documents on Bank's documentation system, ensuring that documents are prepared accurately with proper terms and conditions as outlined in the loan approval. Documents prepared within industry and regulatory standards.Process all subordination, extensions and modification agreements requested by external and internal clients.Prepare and send Adverse Action notices for all loans within required time Obtain dual decline on real estate.Deliver all finalized loan documentation packages to lender prior to agreed-upon closing date, and communicate interest and/or closing fees due from applicant.JOB REQUIREMENTS:Must have past experience underwriting and strong computer skills.Minimum of two (2) years' experience with consumer loan products, loan structures and/or loan documentation.Experience with all types of consumer loan documentation, along with knowledge/experience in perfection of liens in real estate and non-real estate secured transactions.Minimum of two (2) years' experience with core bank systems and document software applications.High school diploma or GED requiredBachelor's Degree preferredAbility to read, analyze and interpret simple instructions, short correspondence, and memos.Strong interpersonal, verbal, and written communication skills, including ability to write clear, concise correspondence.Ability to respond to common inquiries from internal and external customers.Ability to organize tasks and complete actions within established deadlines, handling multiple priorities with strong attention to detail.Ability to define problems, collect data, establish facts and draw valid conclusions.Must be able to manage high volumes of documents and keep them organized.Ability to analyze and understand credit bureau reports and simple tax returns.Proficiency in financial computer applications, database management tools, and Microsoft Office applications.General knowledge of loan accounting and general ledger practices.Current knowledge of banking regulations.Disclaimer:The above job description is meant to describe the general nature and level of work being performed; it is not intended to be construed as an exhaustive list of all responsibilities, duties, and skills required for the position.All job requirements are subject to possible modification to reasonably accommodate individuals with disabilities. Some requirements may exclude individuals who pose a direct threat or significant risk to the health and safety of themselves or other employees. ________________________________________Equal Opportunity Employer/Protected Veterans/Individuals with DisabilitiesThe contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information.Equal Opportunity Employer/Protected Veterans/Individuals with DisabilitiesThe contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

Keywords: Ameris Bank, Roswell , Consumer Credit Documentation Coordinator I, Other , Roswell, Georgia

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