Loan Ops Consumer Loan Closing Spec I

Overview:

United Community is looking for a Loan Ops Consumer Loan Closing Spec I

 To be a key member of our lending team, responsible for managing the end-to-end consumer loan closing process. This role ensures accuracy, compliance, and timely execution by coordinating with internal teams, external partners, and third-party vendors. The Specialist reviews documentation, satisfies underwriting conditions, and prepares closing packages for both real estate and non-real estate secured loans. Ideal candidates bring strong attention to detail, excellent communication skills, and a solid understanding of consumer lending regulations.

What You’ll Do:

• Coordinate and monitor all stages of the loan closing process.
• Review and interpret third-party documents including appraisals, title work, flood determinations, and insurance.
• Ensure all underwriting conditions are met and documented before issuing a “clear to close.”
• Communicate with internal and external stakeholders including lenders, attorneys, title companies, and vendors.
• Prepare and review loan documentation for accuracy and compliance.
• Maintain accurate records and ensure timely follow-up to meet service level agreements.
• Support compliance with all regulatory and internal policy requirements.
• Provide exceptional customer service and foster a collaborative team environment.

Requirements For Success:

Required Skills/Experience/Education:
o 1–2 years of experience in a financial institution, with a focus on due diligence or loan documentation.
o 1+ years of consumer loan documentation experience.
o Experience in an automated loan origination environment is highly desirable.
o High school diploma or equivalent required; college degree preferred.
o Strong knowledge of consumer lending, loan documentation, and regulatory compliance.
o Familiarity with third-party documents such as title work, appraisals, and insurance.
o Proficiency in Microsoft Office (Excel, Word, Outlook).
o Experience with banking systems such as Meridian Link, 360 View, LaserPro, TruStage, Navigator, and UCBI systems.
o Excellent organizational and time management skills.
o Ability to escalate and resolve issues effectively.
o Strong interpersonal and communication skills.

 

Preferred Skills/Experience/Education:
o Completion of Loan Closing Specialist Certification Program (Level I).
o Understanding of complex credit structures and multiple funding sources.
o Knowledge of fair lending practices and regulations (CIP, Reg H, HMDA, CRA, Reg O).
o Ability to calculate Loan-to-Value ratios and assess insurance adequacy.

Conditions of Employment:

• Must be able to pass a background & credit check.
• This is a full-time, non-remote position.
• Up to 1% travel required.
FLSA Status: Non-exempt

Pay Range: USD $34,102.00 - USD $49,382.00 /Yr.