Lead Loan Specialist

General Purpose:

Process loans for operating expenses, capital expenditures, real estate purchases, and refinances. Demonstrate an entrepreneurial attitude, be results driven, work independently without intense management oversight, and offer recommendations on legal matters pertinent to the loan documents and related collateral filings.

Job Duties and Responsibilities:

• Verify borrower information presented; verify existing loan balances, if any
• Verify that UCC search and credit report have been requested and reviewed by loan officer
• Perform complete review of loan information package submitted by loan officer; obtain clarification of any missing/erroneous information; confirm all necessary approvals received
• If borrower is an entity, request and review all entity organizational documents and minutes appointing officers; determine authorized signatory(ies)
• Advise management on legal matters pertaining to loan documents and any specifics related to securing the necessary collateral
• Prepare customized loan documents for each loan transaction
• Prepare and track Subordination Agreements and/or Intercreditor Agreements, if necessary
• Track satisfaction of loan terms as they pertain to UCC termination requirements
• Verify satisfaction of insurance requirements, if any
• Review signed loan documents to ensure all are fully and correctly signed; verify signatures
• Prepare and file UCC financing statement documentation, if necessary
• Prepare amendments and supporting documents, revising loan terms, if necessary
• Review real estate title documentation, title insurance commitment, real property appraisal; confirm accuracy of real property description; determine who holds title to property; work to resolve open exceptions on title insurance commitment
• Prepare mortgage document, if necessary
• Coordinate real estate closings among title insurance company, attorney and borrower
• Prepare and process documentation for various stabilizer transactions
• The requirements herein are intended to describe the general nature and level of work performed by employee, but is not a complete list of responsibilities, duties, and skills required. Other duties may be assigned as required

Education and Experience:

• Bachelor's degree with a focus in business or legal
• 2 to 4 years of lending, legal, and/or related document preparation experience
• Certification and/or License - paralegal certification preferred, or more than 5 years of loan document preparation experience in an Ag or commercial bank setting or law office

Knowledge, Skills, and Abilities:

• Knowledge of and skill with Microsoft Office Suite and company computer systems
• Excellent proofreading and editing skills
• Able to review and coordinate real estate transactions
• Able to communicate clearly and effectively, both verbally and in writing
• Able to interact positively and work effectively with others (interpersonal skills)
• Able to work with accuracy and attention to detail
• Able to maintain confidentiality of information
• Able to balance multiple tasks
• Able to work independently and as part of a team
• Able to work under tight deadlines
• Able to travel independently in a timely fashion to attend various agricultural events and cooperative meetings
• Must be able to read, write and speak English

An Equal Opportunity Employer including Disabled/Veterans