Loan Ops Consumer Loan Closing Spec I

United Community Bank • Full-time • Remote (United States) • $34.10k - $49.38k / year • 1d ago

Remote

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;

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.

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