Position Summary: The Senior Retail Real Estate Loan Processor/Closer is responsible for all processing steps from origination through closing, and the generation of initial and closing documents of real estate secured loans. This position is responsible for managing a pipeline that includes a variety of real estate secured loan types (Construction, First Lien Mortgage, Subordinate Financing, Home Equity etc.). This professional will also assist in the review of initial and pre-closing documents and Amendments to ensure bank requirements, regulatory compliance guidelines, and customer service guidelines are met.
Essential Functions:
- Coordinate and contribute to the daily activities of the Retail Loan Operations real estate processing team.
- Manage daily workflow of real estate processing, including monitoring of pipeline.
- Process and close more complicated real estate secured loans which include a variety of loan types, such as Construction, First Lien Mortgage, Subordinate Financing and Home Equity loans.
- Conduct reviews and communicate results of initial and pre-closing documents for the Processing Team to ensure real estate loans meet all bank policy requirements, complex regulatory compliance guidelines, and customer service standards.
- Provide operational guidance and support to Personal Bankers and Loan Officers.
- Review and communicate results of the review of Amendment documents submitted through the WAM portal.
- Identify and bring attention to compliance risks or potential departmental efficiencies.
- Assist with testing of new products and Encompass software updates.
- Assist with updating Real Estate Processing procedures.
- Understand and anticipate all requirements of the real estate loan cycle from beginning to end.
- Demonstrate thorough understanding and ability to apply in-depth knowledge of all federal regulations and bank policies/procedures related to real estate lending.
- Lead by example in creating ways to challenge the team while providing ongoing motivations and positive reinforcement.
- Provide a high standard of customer service to both internal and external customers in person and by telephone.
- Understand and adhere to all applicable bank policies, laws, and regulations applicable to the role. Complete required compliance training. Follow internal processes and controls as required
- Report all compliance issues, violations of law or regulations in accordance with the steps defined in Bank policies
- Perform or assist with other job related duties or special projects as assigned.
- Regular and reliable attendance is an essential function of this position.
Qualifications:
- Three years of real estate loan processing required.
- Experience with HELOCs, bridge and construction loans required.
- Knowledge of all federal regulations and policies/procedures involving real estate lending.
- Proficiency in Microsoft Word, Excel and in working with other financial software.
- Experience with Encompass and Fiserv software, including Navigator and Director preferred.
Preferred Talents:
- Multi-tasker
- Accurate and detailed
- Problem solver
- Deadline driven with good judgment
- Effective communicator
- Positive and people focused
- Independence with a team orientation
Working Environment:
Indoor work – not exposed to outdoor elements or hazards.
Some sedentary work and occasional lifting and/or carrying up to 10 pounds.
This role is eligible for hybrid work from home opportunity under the work from home guidelines upon completion of onboarding.
PLEASE VIEW THE APPLICANT TERMS & CONDITIONS BEFORE PROCEEDING WITH YOUR APPLICATION.
