Lending Services Processor Collateral Lien Perfection

Job description

**Description**

**Location:** On site at location listed in job posting.

At First Horizon Bank Operations, we are on a mission to deliver a seamless customer experience.

We are passionate about doing things right and doing the right things.

We collaborate with each other and with our internal business partners to delight our customers.

We believe in creating an environment where everyone’s ideas are valued so that the team operates at its best.

Our team members serve with humility and a deep commitment to their responsibility to be the best at serving their customers one opportunity at a time.

**Position Overview:**

The Lending Services Processor is responsible for processing collateral lien perfection documents for consumer and commercial new loans and modifications.

The processor processes lien perfection documents for various types of collateral including real estate, vehicle titles and consumer UCC filings.

The Lending Services Processor demonstrates high standards for quality, quantity and a high concentration level for protecting the loan assets of the bank.

This position will support the Collateral Release and Collateral Perfection Team.

**Essential Duties and Responsibilities:**

30% Productivity: Meets productivity goals within established time frames (measured by Service Level Agreements).

Meets our strategic goal of reduction in expenses YOY.

30% Service Quality: Delivers on our service promise in Loan Ops (measured by Service Level Agreements, customer feedback, error reports)

20% Risk Management: Quality and accuracy (measured by PEM or various auditors).

Ensuring sound risk management and internal controls are met

20% Lives Our Company Values: Embraces change and ensures an inclusive, positive work climate, engages with team members.

**Areas of responsibility include:**

+ Responsible for processing Consumer and Commercial collateral lien perfection documents within the required SLA time frame
+ Responsible for ensuring First Horizon’s lien is accurately placed on the appropriate collateral documents
+ Responsible for processing Consumer and Commercial lien perfection Integrity Reports
+ Responsible for communicating with state and county recording clerk’s offices
+ Responsible for communicating with Third Party vendors
+ Responsible for communicating with internal customers to ensure all collateral documents are accurate for lien placement
+ Responsible for the accurate placement of collateral lien perfection documents in ARX
+ Maintain compliance with policy and procedures
+ Work with others to ensure that the entire team’s work is within SLA
+ Responsible for helping with training new employees and/or new process
+ Responsible for monitoring the lien perfection team email box
+ Responsible for cross training with lien release tasks
+ Responsible for all other duties as assigned

**Education and/or Work Experience Requirements:**

High school diploma with 2 – 5 years of experience in lending or related field required.

College degree with Loan - Consumer and/or Commercial experience, or experience working with or identifying loan documents preferred but not required.

**Knowledge** - General banking products or lending knowledge

**Skills** – Strong written and verbal communications skills; Teamwork/Teambuilding skills; General office skills including: typing, filing (alphabetically and numerically), and applicable technology (ARX, ALS, FDR, Hogan, etc.); High attention to detail and concentrate on work in spite of distractions; Strong computer skills (Word, Excel, Outlook); Strong organizational and prioritization skills are needed

**Abilities** :

+ Ability to follow procedures and to handle multiple tasks
+ Ability to respond quickly to problem situations
+ Ability to work efficiently and independently
+ Ability to work in a fast-paced environment with a high volume of work and minimal errors
+ Ability to work under pressure and remain calm & pleasant
+ Ability to work well with others in a team setting but also be accountable for individual tasks
+ Ability to adapt to frequent change
+ Ability to prioritize and reprioritize

**Physical Requirements:**

+ Ability to safely and successfully perform the essential job functions consistent with or without the ADA, FMLA and other federal, state and local standards, including meeting qualitative and/or quantitative productivity standards.
+ Ability to maintain regular, punctual attendance consistent with the ADA, FMLA and other federal, state and local standards
+ Must be able to lift and carry up to 30 lbs

**Hours** :

+ Monday - Friday
+ 8:00 AM - 5:00 PM

**About Us**
First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel.

Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services.

First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank.

More information is available at www.FirstHorizon.com (https://urldefense.com/v3/__https:/www.firsthorizon.com/__;!!Cz2fjcuE!hpq9hPnrucZCPIAVPojVESItIq-FPzhurNdCrQ3JE8Rkx3gMd70nIk6_kmPxl66_oJCEsXs0gNunPowMAMHCmBYPOtUxUGI$) .

**Benefit Highlights**
• Medical with wellness incentives, dental, and vision
• HSA with company match
• Maternity and parental leave
• Tuition reimbursement
• Mentor program
• 401(k) with 6% match
• More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits

**Follow Us**
Facebook (https://www.facebook.com/FirstHorizonBank)
X formerly Twitter
LinkedIn (http://www.linkedin.com/company/first-horizon-bank)
Instagram
YouTube (https://www.youtube.com/channel/UCEVs5OMj-b0H9Dr5Q209_-Q)

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights (https://www.eeoc.gov/poster) notice from the Department of Labor.

Required Skill Profession

Other General