Private Client Lending Specialist in Knoxville, TN at First Tennessee Bank

Date Posted: 9/3/2019

Job Snapshot

Job Description

Job Summary:
The Private Client Lending Specialist will work with the PC RM’s and the credit underwriting and processing team. They are responsible for managing a pipeline of loans as well as for all customer communication throughout the process of the loan from loan approval to Clear-to-Close. Effective communication with internal and external customers is critical in meeting key performance metric and contributing to the success of the team. The PC Lending Specialist is responsible for navigating the entire loan process with the clients, asking for any additional documents as needed, following up with the clients on the conditions needed and answering the client questions along the way. This role is also responsible for recommending policy exceptions and pricing decisions with appropriate mitigating factors for the Management’s review.

Duties & Responsibilities:
• Perform daily proactive pipeline management
• Provides weekly pipeline information and also closed loans for the week by attending Team Sales Meetings and Pipeline Management meeting
• Provides suggestions for restructuring or re-pricing deals that they think may not fit our current guidelines and offer alternatives. Will provided recommendations to RMs and Management.
• Maintain contact schedule with clients and PC RM’s, updating loan record on all communication
• Set expectations, provide timely status updates, and establish deadlines for customers on returning conditions
• Provide input on model pricing and exceptions, as well as determining any mitigating factors that will be used when considering exceptions.
• Build a strong working relationship with the PC RM’s based on mutual trust
• Coordinate all client activity in order to meet desired closing dates
• Effectively manage and own your work queue ensuring queues and activity timelines are met
• Audit conditions prior to file submission to underwriting to confirm they meet requirements
• Assist clients with loan level questions and concerns
• Deliver clean, complete and accurate files
• Strong communication skills that will help them gather sensitive data, challenge deadlines with clients, PC RM’s, and the credit underwriting and processing team in order to maximize the client experience
• The employee in this position must adhere to strict confidentiality policies and procedures
• Maintain appropriate standards to meet all regulatory and compliance requirements as determined by the Bank and any outside parties
• Perform related duties as requested

Please note:
This position requires compliance with the S.A.F.E Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements.
Requirements Education/Work Experience Requirements:
• College degree preferred

Experience:
• 5+ years of mortgage processing and/or operations experience
• 2+ years of customer service customer support experience required

Knowledge/Skills/Abilities:
• Knowledge of federal and state fair lending requirements
• Working with unique and complex program guidelines
• Ability to comprehend alternate models, pricing, exception guidelines to help restructure and re-price deals as needed
• Coach and train others and share best practices
• Prioritize workload and meet deadlines
• Advanced organizational skills with attention to detail
• Interact effectively with all levels of staff and management
• Meet licensing requirements (S A F E Act)
• Microsoft Office skills – intermediate
• Proficient in third party systems usage
• Proven experience working in a fast paced, high volume, customer focused environment
• Strong/advanced relationship management skills (previous work with affluent clients a benefit)
• Advanced time management and problem solving skills
• Advanced understanding, interpretation and qualification of mortgage documents and products and investor guidelines with the ability to clear conditions
• Advanced verbal and written communication skills

Work Schedule:
Days: Monday – Friday
Time: 8:00 am to 5:00 pm

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  • All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, gender stereo typing, and age. First Tennessee is an EO employer – M/F/Vets/Disabled.
  • Please view Equal Employment Opportunity Posters provided by OFCCP