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.