Consumer Loan Specialist Ii

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• Ability to meet individual goals and contribute in a team-oriented environment to ensure departmental and company goals are met. Sets and achieves challenging goals without direct supervision and contributes to a positive team spirit.
• Essential Duties and Responsibilities
• Scan loan documents into the bank’s consumer lending platform.
• Adheres to loan policies and procedures with complete documented files to ensure satisfactory reviews from internal and external audits.
• Communicates with customers on items needed to complete the renewal process timely.
• Review loan documents to verify that they were signed and completed properly and review loan funding tickets for accuracy.
• Assist customers with automatic payments, payment extensions, due date changes, and various other loan file maintenance items.
• Assists customers with consumer loan renewal process. Maintains knowledge of consumer loan products, policies, and procedures.
• Ensures all departmental documents and activities are performed in compliance with applicable laws, regulations, policies, and procedures as applicable to this position, including completion of required compliance training.
• Performs other duties and responsibilities as assigned by management, including, but not limited to, training new associates, managing the Consumer Loan Center general inbox, and assisting with revisions to department Policies and Procedures.
• Ensure that post-closing loan exceptions are resolved within the standard timing set by bank management and policy
• Maintain knowledge of all aspects of consumer real estate loans.
• Ability to meet individual goals and contribute in a team-oriented environment to ensure departmental and bank-wide goals are met.Sets and achieves challenging goals without direct supervision and contributes to a positive team spirit.
• Communicate with branch associates to resolve errors with loan documents and/or loan funding tickets.
• The Consumer Loan Specialist II performs a variety of servicing and administrative activities on consumer loans. If loan servicing duties are assigned, the Consumer Loan Specialist II will be responsible for managing a large portfolio of consumer real estate loans.This position will serve as a central point of contact for loan customer inquiries. If Document Intake duties are assigned, the Consumer Loan Specialist II will be responsible for managing consumer loan documentation inflow to ensure loans are boarded and liens are perfected in a timely manner. If Loan Renewal duties are assigned, the Consumer Loan Specialist will be responsible for the timely renewal of consumer Non-RE and/or Real Estate Loan Renewals.
• Logs complete and accurate notes of all correspondence with customers in the bank’s system of record.
• If Document Intake duties are assigned:
• Assist customers with real estate loan inquiries, including escrow questions and partial release requests.
• Ability to meet individual goals and contribute in a team-oriented environment to ensure departmental and company goals are met. Sets and achieves challenging goals without direct supervision and contributes to a positive team spirit.
• Performs other duties and responsibilities as assigned.
• Resolve any problems or issues that arise with a loan efficiently and in a timely manner.
• Position Summary
• Ensures all departmental documents and activities are performed in compliance with applicable laws, regulations, policies and procedures as applicable to this position, including completion of required compliance training.
• Performs other duties and responsibilities as assigned by management.
• Prepare bank GL and loan tickets accurately.
• Has knowledge of multiple bank operating systems.
• Answers customer phone calls and provides quality customer service to consumer loan customers exhibiting a deep understanding of consumer credit.
• If Loan Renewal duties are assigned:
• Obtains required financials and keys applications into centralized loan system for underwriting, communicates decisions to customer, and coordinates loan renewal closing.
• Ensures all departmental documents and activities are performed in compliance with applicable laws, regulations, policies, and procedures as applicable to this position, including completion of required compliance training.
• Ensure that post-closing loan exceptions are resolved within the standard timing set by bank management and policy.
• Manages maturing loan pipeline to ensure balloon loans are renewed by or before deadline.
• Respond to customer phone calls and emails and provide quality customer service to consumer loan customers.
• Assist branch and call center associates with payment processing or loan questions.
• Ensure proper filing and recording of documentation required for lien perfection on auto and real estate loans.
• Adhere to loan policies and procedures with complete documented files to ensure satisfactory reviews from internal and external audits.
• Process loan ticket transactions using the bank teller system.
• Process telephone payments for consumer loan customers.
• Maintain daily logs of all loan documents received in the Consumer Loan Center.
• Adheres to loan policies and procedures with complete documented files to ensure satisfactory reviews from internal and external audits.
• If Loan Servicing duties are assigned:

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

Skills

• Ability to read and interpret documents such as procedure manuals, general business correspondence and/or journals or government regulations.
• Ability to read and comprehend simple instructions, short correspondence and memorandums.
• Ability to write simple correspondence

Education and/or Experience

• 3-5 years of related experience and/or ability to perform Essential Duties and Responsibilities
• High school diploma or its equivalent is required
• Bachelor’s Degree Preferred

Computer Skills

• LendingCycle
• Jack Henry Silverlake platform
• MS Office programs

Other Qualifications

• Must present a friendly, professional image and conduct.
• Must be proficient in Microsoft Office products.
• Must have strong time management skills.
• Must possess excellent telephone and customer service skills.
• Must have good oral and written communication skills.
• Must maintain punctual and regular attendance.

Other

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Activities, duties, and responsibilities may change at any time with or without notice.

Equal Employment Opportunity Information: Simmons First National Corporation and its subsidiaries are committed to a policy of equal employment with respect to a person's race, color, religion, sex, ancestry, sexual orientation, gender identity, national origin, covered veterans, military status, physical or mental disability or any other legally protected classifications. Simmons First National Corporation and its subsidiaries are committed to Affirmative Action Programs consisting of results-oriented procedures to ensure equal employment opportunities. These programs require positive action in lieu of neutral non-discrimination and merit hiring/performance policies.