Guaranty Bank and Trust Company
  • Denver or Loveland, CO, USA
  • $16.08-$31.37
  • Hourly
  • Full Time

Eligible for our Full Benefits Package including Medical, Dental, Vision, 401k and Paid Time Off!

Summary of Job Responsibilities:

Maintains awareness, understanding and compliance with Guaranty Bank and Trust's "Code of Ethics", internal policies and procedures, laws and regulations that are appropriate for his/her position.

To protect the assets of the bank and our shareholders' interests through the proper application, maintenance and review of all types of loans.

**This position can be located in Denver or Loveland**

Required Qualifications [Knowledge, Skills, and Abilities (KSA's)]:

  • 4 years of experience working directly with loan documentation or loan processing.
  • Ability to comprehend complex credit requests, government regulatory requirements, and documentation requisites for consumer and commercial credit customers;
  • Demonstrates and maintains working knowledge of Bank software programs to complete job tasks (e.g. bank accounting and loan presentation software, online real estate and chattel collateral perfection, collateral lien searches, real estate tax monitoring services);
  • Possesses the ability to follow detailed procedures and ensure accuracy in documentation and data;
  • Possesses a working knowledge of general banking practices and Microsoft Windows applications;
  • Ability to remain focused and organized in a fast paced environment, clearly present information through spoken or written word, demonstrate a high level of service delivery, to prioritize and organize tasks, and maintain high standards despite pressing deadlines;
  • Minimum of a High School diploma or its equivalent

Essential Duties:

Employees are held accountable for all duties of the job. Individuals must be able to perform these duties with or without reasonable accommodations.

  • Demonstrates core values and guiding principles as outlined in the Bank's identity statement.
  • Ensures that all activities and work functions comply with compliance requirements as defined in company policies and procedures and state/federal laws and regulations.
  • Logs incoming documentation requests into Bank software to begin tracking of the transaction, utilized by each team in the department, from start to finish, to monitor progress, and for detailing and communicating documentation exceptions;
  • Prepares accurate loan documents for all Bank loan product types; including but not limited to commercial real estate, business assets, possessory/negotiable collateral, and residential real estate;
  • Demonstrates understanding of Bank Loan Policy, banking laws and regulations, and Loan Operations procedures;
  • Demonstrates a thorough knowledge of critical loan documentation in order be compliant with regulatory, legal, and Bank policy requirements;
  • Consults with the Loan Officer to ensure that all conditions precedent to loan document delivery have been satisfied;
  • Assists with loan documentation exception tracking and clearing;
  • Reviews business entity documents, insurance certificates, collateral title, and lien searches to identify and resolve issues to achieve desired collateral perfection and lien positions;
  • Delivers documents on a timely basis to meet scheduled deadlines;
  • Assists bank personnel with loan documentation questions, including collateral perfection requirements;
  • Follows detailed loan processing procedures to ensure document and computer data entry accuracy;
  • Assists lending officers and banking assistants with questions concerning their loan documentation needs and to clear/close exceptions;
  • Maintains production tracking information within the designated software system; and
  • Demonstrates a willingness to be a participating member of a cohesive and supportive team.

Non-Essential Duties:

  • Assist with training new Loan Operations personnel and assist with cross-training other staff.
  • Performs other duties as assigned.

Preferred Qualifications:

  • 4-year college degree or 2-year associate degree
  • Knowledge of loan documentation software and banking loan operations experience is preferred but not required.

Types of Decisions:  The Document Preparation Specialist will be called upon to validate the appropriateness of each request for loan documents prior to completing the action.  Determine the required documents needed for each individual loan request to insure protection of the bank's and the customer's interests.  Escalate issues outside of their level of authority.  Maintain a high working knowledge of bank loan policy and regulations. Day to day decisions will be made regarding the major duties and responsibilities of the position.

Consequences of Errors:  Unlimited dollar loss, risk of lawsuit, and/or risk of governmental fines if documentation is inaccurate, as well as loss of confidence in the Bank by the customer and possible loss of business.   Loss of confidence in Loan Operations from loan officers, banking assistants, and Bank management.

Contact with Others:  Unlimited contact with employees both in person and on the telephone.  Must display quality of service; showing courtesy, tact, and discretion at all times.  Maintains a positive demeanor and displays excellence in service, keeping the banks image in mind at all times. Includes contact with banking assistants, loan officers, other banks, departmental management, bank auditors, external auditors/examiners, and the Secretary of State.

Physical Requirements:  The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.  Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

  • Ability to lift 20 lbs
  • Ability to sit for 6 7 hours at a time
  • Ability to operate standard PC equipment
  • Ability to operate standard phone equipment
  • Ability to handle stress associated with frequent deadline and tight schedules

The above statements are intended to describe the general nature and level of work being performed.  This job description should not be construed to imply that these requirements (job responsibilities and KSA's) are the exclusive standards of the position.  Incumbents may be required to follow other instructions, and to perform other duties, and obtain other KSAs that may be required of the position.

Guaranty Bank and Trust Company
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