Commercial Loan Draw Administrator

Responsible for all aspects of the commercial loan draw process, including accurate, efficient and timely processing of the loan file for closing and disbursement of funds, in compliance with state and federal regulation and company policies and established Standard Operating Procedures (SOPs). Work within a team to ensure loans progress through the pipeline efficiently and effectively.

Support sales and commercial lending department personnel as needed. Meet or exceed the stated Service Guarantee commitments. Represent the Bank to both internal and external customers in a courteous, professional manner in face-to-face, written and telephone communications. Accountable for adherence to all regulatory and compliance standards including Bank Secrecy Act (BSA) as well as quality of documentation, timeliness, accuracy and volume of loans closed. Actively protect confidentiality of customer and account information. Demonstrate Horizon Bank's commitment to the communities we serve through active involvement in local organizations and events.

• Monitor the Draw Request email box on a daily basis and review daily postings report.
• Handle routine customer requests such as transfers, draw requests, account balance inquiries, etc.
• Process commercial loan draws, reviewing documentation and authorized signers as required under approved terms and conditions for each loan.
• Process equipment and SBA draws; verify requirements for each draw request and track use of proceeds within applicable SBA authorization tolerances.
• Process floor plan disbursements and payoffs according to the approved terms and conditions of the floor plan agreement. Monitor and process the monthly required curtailments for each customer.
• Process outgoing wire transfers for customers with callback verifications, following all fraud and BSA procedures.
• Monitor the daily and weekly Lee & Mason insurance reports, and work with the lenders to clear outstanding past due hazard insurance issues. Review and resolve items on the monthly exception listing as well as the daily incoming mail for other commercial loans with insurance tracking.
• Monitor and assist with clearing commercial documentation exceptions.
• Accurately and promptly prepare payoff letters, as well as release of mortgages or other collateral; review paid loans prior to releasing collateral.
• Assist with team projects such as tax servicing reports, year-end paid loan processing and other items as needed.
• Report suspicious transactions or unusual occurrences to supervisor.
• Conduct and document periodic risk reviews and run reports as needed.
• Perform all work in compliance with established regulations, policies, Standard Operating Procedures (SOPs), and instructions.
• Maintain customer confidence and protect bank operations by keeping information private and confidential.
• Participate in ongoing skill, compliance, risk management and security training as required for the position and apply knowledge in daily tasks
• Other duties as assigned

• High school diploma or equivalent with a minimum of 2 years' experience processing mortgage, consumer, commercial and/or small business loans. College degree in business, finance or related field of study preferred.
• Knowledge of agency guidelines and industry standards as they relate to mortgage, consumer, commercial and/or small business lending.
• Exceptional organization, time management and follow-up skills. Excellent interpersonal skills and ability to communicate effectively with customers, bank employees and outside service providers.
• Ability to follow detailed instructions and a wide range of procedures requiring sound judgement.
• Ability to perform complex mathematical computations using various business machines and/or computers.
• Must have proficient typing and computer skills, preferably with Microsoft Office products

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions in compliance with the Americans with Disabilities Act (ADA)

Horizon Bank is a proud Equal Opportunity Employer | Disability | Veteran Employer.

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