Loan Administrator

Looking to join a Great Place to Work Employer and become a valued member of our growing team? At SmartBank, we're not just offering a job; we're inviting you to be a part of a culture built on excellence.

At SmartBank, our benefits package is designed to enhance your life. You'll enjoy medical, dental, vision, life, and disability insurance, as well as a 401(k) plan with a 4% employer match. Our generous paid time off (PTO), SmartFlex Days, and 11 Paid Company Holidays promote work-life balance. Engage in paid community involvement, enjoy company apparel, and access tuition reimbursement for your growth.

About Us

SmartBank is rooted in our core values: Acting with Integrity, Being Enthusiastic, Creating Positivity, Demonstrating Accountability, and Embracing Change. Our team lives and breathes these values to fulfill our core purpose: creating "WOW" experiences for our clients. For over 19 years, we've been delivering on this purpose in Tennessee, Alabama, and Florida, and we're continuously expanding our reach. Our team is empowered to care for our clients and actively participate in the communities we serve. At SmartBank, we prioritize individual needs, set high expectations, and celebrate achievements – that's the SmartBank way.

Our Loan Administrator will be responsible for:

SmartBank is seeking a detail-oriented and customer-focused Loan Administrator to support lenders throughout the loan lifecycle, from application and approval through closing and post-closing activities. This role is ideal for someone who thrives in a fast-paced environment, enjoys building relationships with clients, and takes pride in ensuring loan documentation and compliance requirements are completed accurately and efficiently.

As a Loan Administrator, you'll play a key role in delivering exceptional client service while supporting the growth of our lending portfolio and maintaining the highest standards of regulatory compliance.

Major Duties and Responsibilities:

• Embodying SmartBank's Core Values and Core Purpose.
• Follow and embrace the SmartBank Way
• Client & Lending Support
• Partner with lenders to coordinate all aspects of the loan process.
• Meet with clients to gather information, discuss banking needs, and assist with loan applications.
• Identify opportunities to introduce clients to additional SmartBank products and services.
• Obtain and verify customer information, including CIP, OFAC, Red Flag, and other regulatory requirements.
• Assist with daily client communication, including loan inquiries, NSF follow-ups, and letters of credit renewals.

Loan Processing & Closing

• Prepare loan approval documentation and assist with loan committee packages.
• Gather and review supporting documentation, including:
  • Credit reports
  • Flood determinations
  • Title opinions and title policies
  • Insurance documentation
• Coordinate appraisals and communicate with internal teams and third-party vendors.
• Review loan documentation prepared internally or by legal counsel.
• Schedule, coordinate, and attend loan closings as needed.
• Manage loan disbursements and finalize loan packages for booking.

Portfolio Management & Compliance

• Administer a loan portfolio.
• Monitor and track outstanding documentation, exceptions, and post-closing requirements.
• Obtain updated financial information and insurance documentation for existing loans.
• Support HMDA reporting requirements and ensure data accuracy.
• Assist with participation loans by coordinating agreements, documentation, and funding activities.
• Prepare files for denied, withdrawn, or incomplete loan applications and coordinate adverse action processing.
• Ensure adherence to SmartBank policies and all applicable banking regulations, including the Bank Secrecy Act (BSA).

Administrative & Team Support

• Answer, screen, and direct calls for assigned lenders.
• Assist with expense reporting, pipeline management, and sales reporting.
• Participate in community outreach and relationship-building events throughout the year.
• Perform additional duties as assigned.

What We're Looking For

Education

• High School Diploma or equivalent required.

Experience & Skills

Successful candidates will demonstrate:

• Exceptional customer service and relationship-building skills.
• Strong organizational and time-management abilities.
• Ability to manage multiple priorities in a fast-paced environment.
• Strong attention to detail and commitment to accuracy.
• Excellent verbal and written communication skills.
• Proficiency with Microsoft Office applications, including Word, Excel, and Outlook.
• Ability to work independently while collaborating effectively within a team.
• Knowledge of lending operations, loan documentation, and banking regulations is preferred.
• High degree of professionalism, integrity, and discretion when handling confidential information.
• Flexibility and adaptability in a changing environment.
• Consistent and reliable attendance.

Physical Requirements

• Ability to sit, stand, bend, and stoop regularly throughout the workday.
• Frequent use of hands, wrists, and fingers for computer and office-related tasks.
• Visual acuity sufficient to review documents and operate office equipment.
• Ability to communicate effectively in person and by telephone.
• Occasional travel may be required for training, meetings, or business-related events.

Why SmartBank?

At SmartBank, we're committed to our core values and creating exceptional experiences for our clients, associates, and communities. We believe in teamwork, service excellence, professional growth, and building meaningful relationships that make a difference.

If you're looking for an opportunity to expand your banking career while working alongside experienced lending professionals, we'd love to hear from you.