Note: If you are NOT a PB II with an NMLS#, regulatory constraints prevent you from assisting an applicant or client with filling out or answering any questions on a Home Equity Line of Credit (HELOC) or HELOC application.

If the applicant has questions about a HELOC application or needs assistance completing an application, advise they contact the Digital Lending & Loan Support team at _loansupport@ccbg.com or 850.402.7444.

Note: All applications submitted to the Digital Lending team MUST have the Digital Lending Loan Coversheet completed. 

When a client returns a paper application for a consumer loan, do the following:

1. Write your name and the date you received the application.

   

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2. Review the Amount Requested and Joint Credit, if requested, to ensure they have been filled out completely.

   

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3. Review the Signature Lines to ensure the application is signed and dated by each applicant.

   

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4. Verify the identity of the applicants.
5. Complete the Digital Lending Loan Coversheet for the applicant and joint applicant (as required).

   • DLLS Coversheet Example

     

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6. Promptly scan the completed DLLS Coversheet AND application to _LoanSupport.
   • Ensure the following is in the email to _Loansupport:
     • Client email address
     • Associate name, extension number and office location
   • Note: Dates trigger various regulatory requirements. You MUST promptly scan the application Digital Lending and Loan Support.
7. Advise the client of the following:
   • "Once Digital Lending & Loan Support receives the loan application they will work directly with you, the applicant, to obtain any additional documentation required."
   • Note: If the applicant has questions about the loan status or documents needed, contact the Digital Lending & Loan Support team at _loansupport@ccbg.com or 850.402.7444 or direct the client to a loan trained associate if one is located in your office.
   • If a client returns additional documents to the office, promptly scan the information to _LoanSupport.
8. Once DLLS receives an application, the following occurs: 
   1. DLLS sends application information to Central Underwriting for a decision.
   2. DLLS requests additional information directly from the client, as required.
   3. Central underwriting does one of the following:
      • Approve - DLLS contacts the applicant to explain rates and terms and asks the client if they want to proceed with the loan.
      • Decline - an adverse action/decline letter is sent to the applicant by Central Underwriting
   4. If the client proceeds with the loan, DLLS audits the file and orders the loan documents for closing.
   5. DLLS coordinates the loan closing when the loan documents are ready.

      • Online Loan Closing

        Digital Lending & Loan Support takes care of everything regarding the loan closing.

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      • Office Loan Closing

        To ensure the loan transaction is handled appropriately, an associate trained in loan closings (for example: a PBII with an NMLS#, a Lender or Lending Administrative Assistant or Digital Lending & Loan Support associate) must be present at the loan closing, either physically, Zoom or another teleconferencing platform.
        
        If you are not an associate trained in loans, your role at the closing table is to assist the associate handling the loan by doing the following:
        
        

        • Introduce the client to the associate conducting the loan closing.
        • Facilitate the signing of the loan documents using eSign.
        • Perform specific tasks under the specific direction of the associate handling the loan closing. 

        
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   6. Once the loan documents are signed, DLLS reviews the loan documents and provides specific instructions to you regarding the printing of checks for proceeds.
9. Follow all instructions provide by DLLS.
10. Provide the client with the check for the loan proceeds.
11. Following the specific instructions provided by DLLS, complete the Loans in Process (LIP) ticket.
12. Scan the completed LIP ticket to DLLS at _LoanSupport.

    • Loans in Process (LIP) Ticket Example

      

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13. Once the loan is closed, the DLLS associate or the associate trained in loans will do the following:
    • Complete the loan checklist.
    • Get any needed titles or mortgages recorded.

ENVIRONMENTAL-LETTER-OF-ENGAGEMENT-5-19-15.docx