Ameris Bank is a purpose-driven company, dedicated to bringing financial peace of mind to communities, one person at a time. Whether a customer wants to grow their business, buy a home, or feel confident in their retirement plan, they have a partner in Ameris Bank. We serve customers in our locations across the Southeast, Mid-Atlantic and nationwide through our extensive digital offerings and mobile app.
Delivering financial peace of mind starts with a team that values integrity and rewards ingenuity. At Ameris, you’ll find teammates who are inclusive, collaborative problem-solvers who go the extra mile to support one another and to meet every customer’s needs. When teammates are empowered and bring their diverse perspectives to the table, we create the best possible outcomes for our customers. At Ameris, we know that a growth mindset is key for high performance and fosters an environment that prioritizes continuous improvement. Teammates have access to Employee Resource Groups that serve as advocates and allies as well as professional development opportunities to drive ongoing education. Learn more about our purpose and how you can bring it to life as an Ameris Bank teammate.
The Commercial Loan Closing Coordinator II coordinates and executes pre-closing activities for a wide-range of commercial loans by analyzing complex loan requirements and executing specialized due diligence activities. The position manages multiple deadlines and a workflow of multiple loan packages to ensure documentation is complete, accurate and compliant and deliver final loan packages prior to the closing date. The Commercial Loan Closing Coordinator II acts as a liaison with attorneys, third party vendors and customers, facilitates efforts, coordinates communications, prepares finalized loan packages and organizes official loan closing meetings. The position demonstrates the Ameris Vision, Purpose, Expectations and Values. Performs other projects and duties as assigned.
Essential Functions, Duties, and Responsibilities:
· Performs due diligence activities for a wide-range of commercial loans applying specialized knowledge to analyze complex requirements and effectively administer pre-closing activities.
· Effectively manages a pipeline of loans at different stages of the closing process managing workflow and deadlines to ensure final loan packages are delivered prior to the closing date.
· Reviews loan type, approval terms and conditions, bank policy and regulations to determine closing requirements and develop due diligence checklist.
· Anticipates and proactively addresses issues resolving conflicting priorities.
· Verifies that loans are approved in accordance with proper lending authority.
· Identifies and obtains all necessary third party reports which may include title, surveys, entity documents, flood determinations, and UCC searches.
· Reviews all reports and documents for accuracy & sufficiency according to bank policy and regulatory requirements.
· Identifies discrepancies and issues, facilitates resolution, and takes corrective actions.
· Engages outside counsel on attorney prepared transactions.
· Provides instructions, guidance and requests to stakeholders ensuring clear, professional communication and efficient processing.
· Obtains and processes internal documents to finalize loan transactions.
· Executes timely follow up and management of all closing requirements; monitors to ensure deadlines are met.
· Responsible for ongoing communication with lender and borrower on the status of specific loan requests.
· Processes disbursement of loan proceeds to the customer.
· Prepares the loan documents on the documentation system, ensuring that documents are prepared accurately with proper terms and conditions as outlined in the loan approval and within standards and requirements.
· Organizes and schedules loan closing meeting with customer and lender.
· Coordinates delivery of all finalized loan documentation packages to lender prior to agreed upon closing date.
Required Knowledge, Skills and Competencies:
· Advanced skills in Computer and Microsoft Office
· Able to effectively and persuasively express self, using language and grammar in a professional manner.
· Able to plan, schedule and organize professional schedule to achieve goals within or ahead of established time frames.
· Able to provide a high level of interactive service to others, building relationships and addressing identified needs.
· Able to analyze and record detailed information and produce accurate, high quality work products.
· Able to research, analyze, identify viable options, draw sound conclusions, and present findings.
· Thorough knowledge of financial covenants, business entities, standard and non-standard loan products.
· Thorough knowledge of commercial loan compliance policy and closing processes.
· Able to manage and organize a high volume of documents.
· Able to read, analyze and interpret complex commercial loan documents.
· Able to perform accurate calculations and transactions.
Industry and Work Experience:
· 3 or more years of experience as a Commercial Loan Closing Coordinator or related role.
· Experience using relevant banking and document storage software applications.
Academic:
· High school diploma or GED required
· Bachelor’s degree or equivalent combination of education and experience preferred.
Benefits Available to Employees:
Ameris Bank provides a comprehensive employee benefit package to all eligible employees.
Banking Advantages for Employees:
In addition to a wide array of benefits, Ameris Bank employees are also eligible for special bank services.
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.
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