Job Code: HBC 23-152

Job Summary:

The AVP/Loan Documentation Utility Officer’s primary responsibility is to oversee the preparation and post-closing review of loan documentation packages. Ensure that the documentation has been prepared and executed within procedures and the collateral is perfected accurately. Manage the clearance of documentation exceptions. Effectively interact with various lending personnel, upper management, and regulatory agencies. Provides loan documentation, technical support, and direction to Loan Documentation staff and acts as backup support for department Team Lead.

Pay Range: Base Compensation is dependent upon role, experience, and skill set: Min- $74,663/yr Max- $124,438/yr

Primary Responsibilities:

• Oversees Loan documentation production pipeline ensuring clients are meeting standard process time restraints.
  • perform the preparation and post-closing review of all types of loan documentation packages.
  • Ensure the documentation has been executed within procedures and the collateral is perfected accurately.
  • Review of loans must be within established service standard objectives and in compliance with the loan approval, credit lending and operations policies and applicable Federal Regulations and State Laws.
• Perform the timely clearance of documentation exceptions within compliance of the loan approval, credit lending and operational policies and applicable Federal Regulations and State Laws.
• Interface with credit analyst, branch lending staff, lending personnel, loan documentation and operations staff.
• If needed, orders and reviews flood certifications, preliminary title reports, and environmental reports. Opens escrows and requests payoff demands from other lenders. Interfaces with escrow officers to resolve title related issues to ensure the perfected Bank's lien position.
  • Clear Ticker exceptions.
• Perform all other duties and special projects as assigned.

Qualifications:

• Associate degree (A. A.) from a two-year college or two to three years related experience.

• Demonstrates ability and natural tendency to methodically examine and verify the accuracy and completeness of data. Individuals must be detail oriented and pay attention to detail.

• CFI Laser Pro experience preferred or comparable documentation prep system experience.

• Displays a customer focused attitude with the ability to engage internal and external clients, build personal connections, and exhibit professionalism.

• Proven time management and problem-solving skills with the ability to organize, prioritize, and handle multiple tasks and make necessary decisions within a fast-paced environment.

• Demonstrates initiative and the ability to work in an autonomous manner.

• Strong communication and organizational skills with the ability to interact effectively with all levels of management.

Compliance Responsibilities:

The employee is responsible for ensuring compliance with all aspects of job-related laws and regulations and must maintain current compliance knowledge by attending compliance related training seminars and staff meetings and by reading pertinent compliance related materials.

Job related laws and regulations include but are not limited to the following: Bank Secrecy Act (BSA); Office of Foreign Asset Control (OFAC); Vendor Management; Information and Data Security; and SEC regulations related to corporate governance and disclosure.

Heritage Bank of Commerce is an Equal Opportunity Employer committed to diversity and inclusion. We do not discriminate based on race, color, ethnicity, religion, sex, sexual orientation, gender identity, national origin, marital status, genetic information, disability, Veteran status, or any other characteristic protected by Federal, state or local laws.