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Overview: The Loan Collateral Protection Program Manager serves as CNB’s senior first-line subject matter expert responsible for the ongoing protection, monitoring, servicing, and governance of collateral supporting the Bank’s loan portfolio. The position oversees the Bank’s collateral protection framework across commercial, residential, consumer, SBA, aviation, construction, participation/syndication, and other secured lending portfolios.
Loan portfolio insurance represents the primary area of responsibility, including insurance requirements, policy administration, flood compliance, lender-placed insurance, escrow servicing, vendor oversight, portfolio monitoring, and related remediation activities. The role also provides operational oversight of post-closing collateral protection activities such as UCC continuation monitoring, mortgage and lien-document administration, collateral exception management, and related reporting.
The position is responsible for establishing and maintaining servicing procedures, monitoring routines, controls, reporting, escalation processes, and remediation activities designed to protect the Bank’s secured position throughout the loan lifecycle. The role directly manages the Insurance & Escrow Supervisor and partners closely with Credit Risk, Compliance, Legal, Loan Servicing, Portfolio Management, Finance, Technology, Internal Audit, and third-party service providers. Credit Risk, Legal, Compliance, and the applicable Line of Business retain responsibility for establishing requirements, approving exceptions, and accepting risk within their respective areas of authority.
What You'll Do:
Serve as CNB’s senior subject matter expert on loan collateral protection, with primary expertise in loan portfolio insurance, flood insurance, lender-placed insurance, escrow servicing, and collateral protection best practices.
Own and manage the Bank’s loan collateral protection program, including standards, procedures, governance, monitoring, reporting, vendor oversight, issue remediation, escalation frameworks, and continuous improvement activities supporting the Bank’s secured lending portfolios.
Provide technical expertise across applicable coverage types, including commercial property, hazard, windstorm, flood and flood contents, builder’s risk, business interruption/income, rental loss, general liability, umbrella/excess liability, workers’ compensation, equipment, automobile, marine/cargo, aviation, assets, private mortgage insurance, lender-placed insurance, and other specialized coverage as applicable.
Oversee insurance requirements and broader post-closing collateral-protection monitoring across commercial, residential, consumer, SBA, aviation, construction, participation/syndication, and other secured portfolios.
Provide first-line oversight of force-placed and lender-placed insurance, including pre-expiration monitoring, borrower notices, placement, premium processing, active policy administration, cancellations, refunds, and remediation of duplicate or unnecessary coverage.
Oversee flood insurance compliance throughout the loan lifecycle, including determinations, mandatory purchase requirements, coverage amounts, private flood policy considerations, flood contents, escrow requirements, notices, force placement, zone changes, tracking, cancellations, refunds, and regulatory evidence.
Direct insurance and tax escrow servicing activities, including setup, disbursements, annual and interim analyses, shortages and surpluses, refunds, cancellations, payment exceptions, and applicable borrower communications.
Establish portfolio-level…