高级商业贷款关闭专员
Senior Commercial Loan Closer
Grasshopper Bank 是一家以客户为中心的数字银行，专为商业和创新经济打造，致力于通过充满激情的团队和数字资源的结合，提供前沿技术、以解决方案为导向的产品和优质服务。
我们是一支经验丰富的团队，以思想和视角的多样性为荣。作为全国性持牌银行，我们的产品和服务组合涵盖风险投资、私募股权及投资组合公司、SBA 贷款，以及直接面向中小企业的嵌入式银行服务。
我们的创业精神使我们能够通过包容性的合作，在企业发展的各个阶段支持各类客户的增长与成功。我们寻找那些能通过协作、诚信和尊重推动组织和员工共同成长的团队成员。
我们注重跨职能团队合作，营造一个重视创意、鼓励问责并庆祝成功的文化。我们欢迎所有希望参与影响并支持金融服务业新兴数字世界的银行创新的人士。
我们以数字化优先的方式，为团队提供远程工作的灵活性。我们在纽约和波士顿设有办公室。
您将负责：
该职位将负责执行多种贷款关闭管理和监督职责，确保每笔贷款在符合批准的贷款方案的前提下准确无误，并进一步遵守银行内部政策。贷后职责包括根据贷款文件和审批协调后续贷款发放，并协助维护所有贷款文件以及符合贷款服务和监控要求。
职责包括：
- 审核已批准的信贷备忘录，完成贷款关闭所需的文件清单
- 收集并审核所有文件，以验证其准确性并符合信贷备忘录中的关闭和放款条件
- 按照银行的贷款政策和流程，安排评估报告、环境报告和信用报告
- 能够与信贷专员、客户经理及第三方紧密合作，建立完整的信贷和关闭文件，以确保关闭流程的效率
- 监督和管理所有贷前尽职调查文件（如评估/船舶检查、地产检查、环境报告、产权文件等）
查看英文原文
Grasshopper Bank is a client-first, digital bank built for the business and innovation economy, with an obsession for providing leading-edge technology, solutions-driven products and superior service through a combination of passionate people and digital resources.
We are a highly experienced team who pride ourselves on diversity of thought and perspective. Nationally chartered, our portfolio of products and services range from VC, PE & Portfolio Companies to SBA Lending, as well as direct SMB and Embedded Banking.
Our entrepreneurial drive allows us to support the growth and success of a wide range of clients at every stage of their business through inclusive partnership. We seek out team members who will enable both our organization and our people to grow and thrive through collaboration and acting with integrity and respect.
Our focus on cross-functional teamwork provides a culture where ideas are valued, accountability is encouraged, and successes are celebrated. We welcome all those searching for the opportunity to contribute to banking innovation that influences and supports the emerging digital world of Financial Services.
Our digital first approach enables our teams the flexibility to work remotely. We have offices in NYC and Boston.
What you'll do:
The position will be responsible to perform a variety of closing management and oversight duties to ensure accuracy and due diligence of each loan processed in accordance with the approved loan packages and further complies with the bank’s internal policies. Post-Closing duties will include the coordination of any subsequent loan advances pursuant to loan documentation and approvals and assist with the maintenance of all loan files and proper loan servicing and monitoring requirements.
Responsibilities include:
- Review of approved Credit Memorandum to complete list of documentation required for loan closing
- Collection and review of all documentation to verify accuracy and compliance with Closing and Funding conditions in the Credit Memorandum
- Order appraisals, environmental reports, and credit reports in compliance with bank lending policies and procedures
- Ability to work closely with the Credit Associates, Relationship Managers, and third parties to build a complete credit and closing file to ensure efficiencies in the closing process
- Oversees and manages all pre-closing due diligence documentation (i.e. appraisal/vessel surveys, property surveys, environmental reports, title searches, insurance coverage, UCC search, invoice accuracy, bill of sale, equity injection verification, verification of liquidity, etc.)
- Prepares and/or reviews all loan closing documents for accuracy, ensuring all loans comply with the bank approval and loan policy
- Engages and works closely with closing Attorney, referring Broker, and Loan Operations to facilitate a smooth closing and disbursement of loan proceeds
- Assists credit and compliance departments as needed in the servicing of the bank’s loan portfolio, to actively maintain lending files, clearing of loan exceptions, deficiencies, or loan review findings, if any. The collection and monitoring of the receipt of insurance policies, financial reports or other reporting documents as may be required in the loan approval and documents
- Adheres to policy & procedure of Grasshopper Bank and must comply with BSA/AML/OFAC regulations and guidelines. Ability to be self-directed, work independently, and with the Commercial Real Estate team, knowing when to engage assistance from senior management
- Assist in management of clearing outstanding loan documents, post-closing and/or loan exceptions items per each approved credit memo and Bank authorization
What you need:
- Commercial Loan Closing Experience - 5+ years direct loan closing experience in a high-volume environment
- Strong collaborator with customers and co-workers. Focused on responding to customer inquiries with strong ability to multi-task in a high-volume environment
- Bachelor’s degree (B.A.) from four-year college or university; or a minimum of 5+ years of direct related commercial loan closing experience; or equivalent combination of education and experience. Prior Commercial Real Estate (owner occupied and non-owner occupied) closing experience is required
- Excellent customer communication skills
Originally posted on Himalayas