Commercial Loan Documentation

1 month ago

Costa Mesa, United States Altius Search Group Full time
Commercial Loan Documentation | Equipment Finance | Irvine, CA

The Equipment Finance Documentation Specialist is responsible for all aspects of documenting, closing, and funding Equipment Finance transactions. This position will interface with the client, relationship manager, portfolio managers, asset managers, and pricing managers for all matters related to due diligence, documentation, perfection, closing, and funding, and thus must be able to coordinate with and influence multiple parties while driving toward the shared goal of an excellent client experience. Ensures that all documents required for closing are in place and coordinates judgmental "clear to close" decisions and any document or process exceptions with their manager or mentor. The Equipment Finance Documentation Specialist will prepare all lease/loan documents required for closing and ensure that the business' equipment liens and/or ownership are properly perfected in accordance with legal requirements, and Policies and Procedures.

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers, colleagues, and the business and ensure that actions and behaviors drive a positive customer experience. While operating within the risk appetite, achieves results by working with their manager to consistently identify, assess, manage, monitor, and report risks of all types.

Essential Duties and Responsibilities:
  • Manage the entire transaction documentation and closing process for Equipment Finance transactions.
  • An active member of the deal team working directly with the client, relationship manager, portfolio manager, asset manager and pricing manager to ensure that policy, compliance and regulatory matters necessary for closing are addressed early in the process.
  • Effectively manages and prioritizes work queues for new lease/loan transactions.
  • Proactively manages work-in-progress within the closing calendar, balancing the needs of multiple internal and external stakeholders simultaneously.
  • Ensures that transactions are documented and closed per the instructions and conditions stated in the credit and asset management approval memo(s).
  • Work with their manager to determine, obtain, and analyze required due diligence items including, but not limited to:
  • Know Your Customer Requirements
  • UCC searches
  • Proof of insurance
  • Entity Corporate documents
  • Assignment documents
  • UCC-1/UCC-3 preparation
  • Invoices/Proof of Payment
  • MSO/Titles
  • Confirm wire instructions provided by the vendor or customer are correct and accurate.
  • Prepares appropriate documentation in compliance with the terms of the request.
  • Obtain all necessary approvals, including accounting, tax, pricing, and legal, to ensure that
  • Work with their manager to determine if enlisting assistance from legal counsel to advise on specific transaction issues and unresolved legal matters pertaining to transaction documentation is required.
  • Promptly and accurately determine when all underwriting, pricing, and/or equipment management approval conditions for funding have been satisfied. Take appropriate actions to resolve deficiencies and if not able to resolve themselves, escalates disputes to an appropriate level.
  • Ensure effective communication and coordination with applicable departments to finalize interim draws.
  • Thoroughly understand lease/loan documentation and other source data to ensure proper boarding of all aspects of the transaction into the accounting system.
  • Board lease/loan transactions to the accounting system.
  • Take proactive steps to ensure that follow-up items are received on a prompt and timely basis.
  • Ensure all goals and departmental service standards are met.
  • Escalate issues to appropriate personnel as necessary.
  • Participate in projects as assigned.
  • Present suggestions on efficiency improvements for the department.
Typical Transactions:
  • Loans, including outside counsel prepared
  • Finance Leases
  • Tax Leases
  • Synthetic Leases
  • Interim Financing Products
  • Municipal Transactions, including outside counsel, prepared
  • Leveraged Leases
  • Rail Financing
  • Syndicated Transactions
  • 3-5 years' experience with loan documentation, with demonstrated expertise in due diligence and perfection processes, preferred.
  • Bachelor's degree in Business (e.g. Business Administration, Finance, Accounting) or equivalent work experience preferred.
  • Proficient knowledge of loan structures and documentation needs/requirements.
  • Knowledge of loan documentation, collateral, lien perfection, evaluation/review/interpretation of UCC searches and vehicle titling needs and processes strongly preferred.
  • Working knowledge of bank accounting/boarding systems.
  • Proficient with all Microsoft Office products.
  • Strong attention to detail.
  • Effective problem solving and analytical skills, with the ability to handle and prioritize multiple tasks.
  • Ability to work independently, with minimal direction.
  • Solid decision-making skills.
  • Solid verbal and written communication skills, with a team player attitude.
  • Comfortable interacting with corporate customers and peers.
  • Ability to meet deadlines under pressure.

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