Nb982 - Commercial Loan Closing Specialist

Northfield Bancorp, Inc Woodbridge , NJ 07095

Posted 2 weeks ago

Department: Credit

Location: Woodbridge, NJ

FLSA: Non-Exempt

Responsible for the review, analysis and completion of all due diligence associated with the commercial loan documentation and closing process. Oversees Northfield Bank electronic file system.

  • May be responsible for oversight of all aspects of Northfield's electronic file system. This process includes reviewing, indexing, tracking and logging both PDF and hardcopy files received from Lending, all Credit groups and outside Counsel.

  • May be responsible for ongoing training and continuous cross-training of other Commercial Loan Specialists on handling of Bank's electronic file system. This includes reviewing, indexing, tracking and logging both PDF and hardcopy files received from lending, all Credit Groups and outside Counsel.

  • Scanning of electronic files, including original recorded documents and additional file information as required.

  • Coordinate and log original Note files and recorded documents for commercial loans updating appropriate Quality Control spreadsheets and log books.

  • Maintain log of destroyed Credit files.

  • Prepare commercial loan commitments to be issued to loan officers in accordance with approved loan summaries.

  • Process loan closing packages, coordinating with Lender, Attorney and outside vendor(s), to meet all necessary closing conditions.

  • Perform quality control function of loan closing file to assure loan approval conditions and documentation conditions are met. Review documentation for completeness and accuracy. Resolve any issues with appropriate parties.

  • Process commitment and loan extensions, as well as, loan modifications for approval of Commercial Loan Operations Manager.

  • Process funding of "cleared" files verifying final borrower/guarantor information in EZ Lender prior to loan funding in absence of Manager. Funding includes commercial loans, SSBS loans, home equity loans and residential fundings.

  • Preparation of in-house loan documentation for commercial Lines of Credit/Term loans on EZ Lender system.

  • Daily reporting to Treasury Department of closing and funding dates.

  • Preparation of monthly reports, including but not limited to, HMDA and Northfield Bank REIT.

  • Track Loan Exception Report prepared by Loan Servicing Dept., clearing loan exceptions, if necessary.

  • Coordinate quarterly reporting of open escrow accounts with Commercial Loan Operations Manager and Senior Loan Officers.

  • Communicate clearly and effectively when speaking and/or writing to all levels of positions (peers through senior management, as well as, Bank Counsel).

  • Compliance with all relevant Bank policies and procedures.

  • Other duties as assigned.

  • Regulatory Knowledge

  • Understands the applicable federal, state, local, and company-specific regulations, policies and guidelines affecting business practices.
  • Attention to Detail/Accuracy
  • Accomplishes tasks by considering all areas involved, no matter how small. Shows concern for all aspects of the job. Accurately checks processes and tasks. Being watchful over a period of time. Ensures that work is complete and without error. Verifies information.
  • Communication
  • Expresses oneself clearly and effectively when speaking and/or writing to individuals or groups. Listens attentively. Ensures that information is understood by all parties. Shares information in a timely manner using the most appropriate method. Presents well-organized information in a group setting.
  • Service Oriented
  • Acts professionally and calmly at all times when interacting with others. Consistently demonstrates concern and courtesy towards colleagues and customers. Treats all people respectfully. Takes personal responsibility for correcting problems. Follows up with individuals to ensure satisfaction with the level of service they have received.
  • Judgment
  • Possesses the ability to effectively perform the required functions of the job without being told every detail, to independently solve problems, and offer suggestions.
  • Technical Expertise
  • Demonstrates the ability to use current and new technology effectively and productively to meet job needs (e.g., computers). Continually updates skills and knowledge to meet position demands and requirements.
  • Preferred:

  • Adaptability/Resilience

  • Responds to changing circumstances by being innovative and altering behavior to better fit different situations. Consistently exhibits optimism and energy. Learns new skills, performs work in different ways. Successfully works with new colleagues. Professionally deals with personal discomfort in a changing work environment. Willing to be flexible. Remains clam in stressful situations.
  • Time Management
  • Ability to manage time during work hours to complete necessary work and meet business needs.
  • Collaboration
  • Works collegially with others, cooperating in both interpersonal and team relationships. Fosters enthusiasm and maintains mutual trust, candor and respect. Partners with groups effectively and builds business relationships with others.
  • Productivity
  • Generates high levels of output. Consistently meets workload demands. Consistently meets deadlines. Efficient at multi-tasking and demonstrates organization skills. Strives for results and efficiency.
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Nb982 - Commercial Loan Closing Specialist

Northfield Bancorp, Inc