Consumer Loan Analyst
Loan Processor Job In Birmingham, AL
High growth, diversified specialty finance company looking for motivated team members responsible for customer service, underwriting and supporting collection efforts. Primary responsibility is to ensure a positive total customer experience while assisting with originating consumer loans using a modern fintech lending platform. This includes assisting with completing loan applications and high-level underwriting of consumer credit that the automated decisioning system placed in queue for manual review. Consumer Loan Analyst will also be responsible for daily review of originated loans to ensure all points of the loan origination process were managed correctly in the system and assisting with collection efforts on delinquent accounts. Keys to success include a professional demeanor, outgoing/positive attitude, reliability, and excellent oral and written communication skills.
Title Processor
Loan Processor Job In Tuscaloosa, AL
Vaco has an immediate need for a Title Closing Agent to assist in the daily operations and procedures of a Tuscaloosa Title company. The Title Closing Agent will maintain office efficiency through supporting the basic systems and operations of the company.
Responsibilities include:
Communicating with Real Estate Agent and Loan Officers.
Gathering all information to complete title documents.
Other administrative duties as they arise.
Requirements:
**EXPERIENCE WITH TITLE REAL ESTATE CLOSINGS OR RESIDENTIAL MORTGAGE LENDING IS A HUGE PLUS**
Must possess excellent organizational skills and a strong attention to detail.
Ability to work in a fast paced environment.
Loan Processor
Loan Processor Job In Alabama
The holder of this position provides administrative support and performs clerical duties in processing financial, marketing and credit records.
RESPONSIBILITIES/DUTIES
include, but are not limited to:
Receiving payments on accounts and issuing receipts
Making authorized disbursement of loan funds
Preparing applications, legal and credit administration documents to complete loan transactions
Verifying accuracy of loan and legal documents
Performing legal record searches
Performing data entry of office transactions
Compiling branch office reports
Maintaining the branch office filing system
Promoting good customer relations
Performing additional duties, including other administrative services, as required, to meet business needs
Meeting the requirement of daily attendance on the job for a full, continuous 8-hour shift
REQUIRED EXPERIENCE
High school education or GED equivalent with work experience in secretarial and/or administrative duties. Must be able to perform most duties under moderate supervision and exercise a reasonable amount of judgment.
PREFERRED EXPERIENCE
Strong preference for experience with legal document preparation and/or monitoring of time sensitive functions.
Loan Officer - 008838 & 008839
Loan Processor Job In Mobile, AL
Information Position Number 008838 & 008839 Position Title Loan Officer - 008838 & 008839 Division Finance and Administration Department 170000 - Office of VP Fin and Administration Minimum Qualifications High school diploma or equivalent and four years of directly related experience. An equivalent combination of education and experience may be considered.
Preferred Qualifications Job Description Summary
The University of South Alabama's Credit Union is seeking to hire a Loan Officer. Interested candidates should apply to be considered.
Essential Functions
These are the job duties required of the position.
Essential Functions
* Assumes responsibility for processing loan requests and making sound judgement on granting loans to members, within the limits of established policies, legal requirements, and delegated authority.
* Prepares loan documents, disburses loans, and files/maintains loan information as needed.
* Denies loans that do not meet loan approval policies and mails the appropriate notices.
* Processes automobile and boat titles and submits them to the State of Alabama.
* Maintains current titles and UCC-1s on existing loans.
* Monitors collateral protection insurance on secured loans.
* Processes collection actions on past-due loans, VISAs, and overdrawn share accounts.
* Documents all in-house collection activity.
* Determines if a collection account is place with a collection agency, repossession agency, or attorney as needed.
* Regular and prompt attendance.
* Ability to work schedule as defined and overtime hours as required.
* Related duties as required.
Posting Information
Number of Vacancies 2 Position End Date (if temporary) Job Open Date 10/04/2024 Job Close Date Open Until Filled Yes Special Instructions to Applicants Working Days Monday - Friday Working Hours 8:00 a.m. - 5:00 p.m. Job Location Main Campus Full-time or Part-Time Full Time Regular or Temporary Regular
Mortgage Loan Processor III
Loan Processor Job In Montgomery, AL
WHAT IS THE OPPORTUNITY? The Mortgage Loan Processor III is responsible for processing home equity line of credit's, purchase, and refinance transactions. They will examine and evaluate approval of client applications and will be responsible for ensuring loans close in a timely basis. Must be in good standing under "The Secure and Fair Enforcement for Mortgage Licensing Act of 2008" (Safe Act) and must be registered/licensed with the "Nationwide Mortgage Licensing System and Registry"; or must be able to be registered under the Safe Act. Must remain in good standing under the Safe Act.
What you will do
* Review loan approvals to determine what documents are required to move to closing.
* Communicate and respond to internal customers within 2 hours.
* Utilize pipeline reports to effectively manage and prioritize daily workflow.
* Ensure all loans are reviewed at least every 3 days.
* Effectively manage an individual pipeline of 30-50 loans.
* Maintains current knowledge of CNB guidelines and loan programs.
* Meet and exceed monthly funding goals as set forth by management.
* Other duties as/or assigned by management.
*Must-Have**
* H.S. Diploma
* Minimum 3 years recent mortgage experience.
* Minimum 3 years basic computer experience (e.g. Microsoft Word, Excel, Outlook) required.
* Must be in good standing under "The Secure and Fair Enforcement for Mortgage Licensing Act of 2008" (Safe Act) and must be registered/licensed with the "Nationwide Mortgage Licensing System and Registry"; or must be able to be registered under the Safe Act. Must remain in good standing under the Safe Act.
*Skills and Knowledge*
* Ability to identify and resolve problems in a timely manner.
* Strong attention to detail and accuracy.
* Ability to maintain high levels of performance, especially in stressful situations.
* Strong knowledge of federal/state regulatory policies and procedures. (TRID Experience Required)
* Excellent written and verbal skills.
* Excellent organizational skills.
* Ability to multi-task and work in a deadline driven environment.
* Proficient PC skills, including Microsoft Office and Loan Origination systems.
*Compensation*
Starting base salary: $25.93 - $41.43 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.
**To be considered for this position you must meet at least these basic qualifications*
The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.
*Benefits and Perks*
At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues. Get an inside look at our ****************************************************************************************************
ABOUT CITY NATIONAL
City National Bank, a subsidiary of Royal Bank of Canada, is the largest bank headquartered in Los Angeles with $92.03 billion in assets as of April 30, 2024. Founded in 1954, City National provides personalized banking, investment and trust services in select markets including Los Angeles, Orange County, San Diego, the San Francisco Bay Area, New York City, Nashville, Atlanta, Delaware, Las Vegas, Washington D.C. and Miami.* In addition, the company and its investment affiliates manage or administer $96.83 billion in client investment assets. City National is dedicated to strengthening communities, and in 2023 alone, the company made more than $11 million in charitable contributions to nonprofits that support the communities it serves.
*City National Bank does business in Miami and the state of Florida as CN Bank.
For more information about City National, visit *********************
*EQUAL OPPORTUNITY EMPLOYER & REASONABLE ACCOMMODATION*
City National Bank is an equal opportunity employer committed to promoting and maintaining a diverse, equitable and inclusive working environment where differences are valued and encouraged. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by the laws or regulations in the locations where we operate or in our Code of Conduct. **************************************************************************************************
If you are a qualified individual with a disability or a disabled veteran, you have the right to request a reasonable accommodation for any part of the employment process. Please contact us via mailto:*************************) or leave a message at *************. These contact methods are dedicated to applicants whose disability prevents them from successfully applying online. Only messages left for this purpose will be returned. Responses may take up to two business days.
MORTGAGE LOAN PROCESSOR
Loan Processor Job In Montgomery, AL
About Us Recognized as one of the most successful Black and Women owned credit unions in the nation, HOPE continues to build its brand and impact by expanding access to financial services and engaging in advocacy to mitigate the extent to which factors such as race, gender, birthplace and wealth limit one's ability to prosper. Since 1994, HOPE has generated more than $3.6 billion in community development financing that has benefitted more than 2 million people in Alabama, Arkansas, Louisiana, Mississippi, Tennessee and nationwide. This work has supported small business owners struggling to gain access to capital, families seeking to own homes and individuals looking for a better way to manage their hard-earned money with a financial institution they can trust.
Job Summary
The Mortgage Loan Processor is responsible for processing loan files by verifying the information the applicants supply on the application, documenting it in accordance with the terms and conditions of the loan approval, and providing the information necessary for the closing of the mortgage loan. This involves the verifying of the applicant's income, assets, liabilities and collateral value. It may also involve gathering additional documentation required to qualify applicant for various grant programs.
Primary and Essential Functions
* Review file received from originator/correspondent lender for necessary documentation and disclosures.
* Review the file input in mortgage software and any grant specific software.
* Follow-up on any documentation that has not been received, including ordering the appraisal, FHA/VA case numbers, and alternative documentation if required, etc.
* Follow-up on any grant specific documentation that is needed.
* Order Credit Alert Interactive Voice Response System (CAIVERS), check Limited Denial of Participation (LDP)/General Services Administration lists.
* Evaluate documentation received for correctness and completeness.
* Prepare file for submission to underwriting and grant program underwriter or coordinator.
* Follow-up on any additional requirements by underwriter and/or grant program underwriter or coordinator.
* Complete information necessary for the closing of the loan including contacting the attorney for setting the closing date, insurance agent for insurance policy, flood cert, etc.
* Provide the loan closing documents for grant programs.
* Communicate with the originator and applicant concerning the progress of the loan file.
* Complete denial/cancellation procedures on all files that are denied or cancelled.
* Deliver post-closing documents to grant providers as required.
* Provide excellent internal and external customer service.
Secondary Functions
* Perform general administrative duties such as attending meetings, report production, etc.
* Complete tracking of file in mortgage software.
* Send updates of file progress to realtor, etc.
* Work with other departments when needed on projects related to the mission of HOPE.
Regulatory Compliance Requirements
* Must comply with registration requirements with National Mortgage Licensing System (NMLS)
* Must comply with provisions of the Bank Secrecy Act (BSA).
* Must comply with the provisions of the Privacy of Consumer Financial Information regulations.
* Must comply with the provisions of the Right to Financial Privacy Act.
* Must comply with the provisions of the Equal Credit Opportunity Act (Regulation B).
* Must comply with the provisions of the Fair Credit Practice Rule.
* Must comply with the provisions of the Fair Credit Reporting Act.
* Must comply with the provisions of the Fair Housing Act.
* Must comply with the provisions of the Flood Disaster Protection Act.
* Must comply with the provisions of the Home Mortgage Disclosure Act (Regulation C).
* Must comply with the provisions of the Homeowners Protection Act.
* Must comply with the provisions of the National Flood Insurance Act.
* Must comply with the provisions of the Real Estate Settlement Procedures Act (Regulation X).
* Must comply with the provisions of the Servicemembers' Civil Relief Act.
* Must comply with the provisions of the Truth in Lending Act (Regulation Z).
* Must comply with the provisions of the Mortgage Disclosure Information Act.
* Must comply with the provisions of Appraisal Independence Interim Final Rule
* Must comply with the Interagency Appraisal and Evaluation Guidelines
* Must comply with the Dodd-Frank Act
* Must comply with the Consumer Financial Protection Bureau
Accountability for Business Results
* Timeliness and quality of the loan process
* Loan closing cycle time
* Timeliness of grant funding
Specified Authority Level
* Run Desktop Underwriter
* VA/FHA Connection
* Approve HUD-1 Form for grant closings
* Approve loans for grant compliance according to program guidelines
Competencies/Skills
* Excellent Customer Service, written and verbal communications skills
* Keen analytical skills
* Working knowledge of word processor, spreadsheet, other PC applications, or mainframe applications to produce non-standard, creative products
* Ability to read and interpret documents, write routine reports and correspondence
* Ability to compute rate, ratio, percent, and interpret data
* Ability to effectively use DU/Total Scorecard & GUS
* Ability to apply commonsense understanding to carry out detailed but uninvolved written or oral instructions
* Ability to deal with problems involving a few concrete variables in standardized situations
* Knowledge of regulations and requirements of investors, federal regulations and compliance in mortgage lending
Desired Qualifications
* Bachelor's degree in relevant field preferred or equivalent experience in mortgage lending
* Three years' experience in residential mortgage loan processing and/or closing
* Demonstrated strength in ability to manage multiple projects at once while maintaining appropriate attention to details
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
Loan Operations - Processor
Loan Processor Job In Birmingham, AL
Job Details Central Alabama - Birmingham, AL Full Time 2 Year Degree Preferred None Day OperationsDescription
Oakworth Capital Bank is expanding and has an excellent opportunity for someone to join our team in Birmingham, AL! We are looking for a full-time role for Loan Coordinator, Processor that will play a vital role in supporting our current & future clients. An ideal candidate would meet the qualifications listed below, and more importantly, be able to demonstrate that they live by Oakworth Core Values
(Golden Rule, Character, Innovative Spirit, Professionalism, Work Ethic).
Responsibilities and Duties:
This role is directly responsible for the pre-closing due diligence, gathering of supporting documentation, and preparing documents for disclosure requirements, new loan requests, or modification of existing loans. Prepares all loan packages for disclosure and closing purposes. Acts as primary support for all loan-related tasks for the bank's entire loan portfolio according to regulatory compliance, state law, and bank policy to mitigate risk, perfect liens, and ensure complete and proper documentation is in place. Directly responsible for the daily administration of all loans and related bank accounts.
Key Roles/Responsibilities:
• Perform Due Diligence and Loan Processing.
• Prepare documents with attention to detail, and additional review prior to sending for closing to ensure minimal mistakes mitigating risk and client impact.
• Follow the loan process to ensure safety & soundness by lien perfection & properly documented transactions.
• Loan Support for the bank; collaborating with Client Advisors on upcoming transactions, timing - managing client expectations.
• Efficiency & streamlining our processes - always looking for ways to improve & reduce duplicated efforts.
• On-going training and sharing with fellow associates to ensure we are up to date on current items and processes.
Responsibility Details:
• For all loan requests: Pre-closing due diligence and gathering of supporting documentation for disclosure requirements, new loan requests, or modification of existing loans. Post-closing disbursement for purchase money transactions.
• Daily routine includes Supporting documentation for all incoming loans, letters of credit, and subordination - order and review; review of attorney-prepared documents prior to closing based on the approval for accuracy and completeness; review of organizational documents to ensure proper legal naming and signer requirements; responsible for ensuring consumer regulatory timing requirements are being met as applicable. Supports the lending staff in all loan-related questions and/or issues.
Qualifications and Skills:
• Associate's degree or three to five years of related experience or training; or equivalent combination of education and experience
• Attention to detail
• Successful experience working in various banking systems such as Horizon, FLO (Fidelity Loan Origination), FCM/ImageCentre, as well as a CRM (Client Relationship Management) system is highly preferred
• Proficiency in Microsoft Office suite is required
#LI-DNI
Mortgage Loan Processor
Loan Processor Job In Birmingham, AL
About Us
Recognized as one of the most successful Black and Women owned credit unions in the nation, HOPE continues to build its brand and impact by expanding access to financial services and engaging in advocacy to mitigate the extent to which factors such as race, gender, birthplace and wealth limit one's ability to prosper. Since 1994, HOPE has generated more than $3.6 billion in community development financing that has benefitted more than 2 million people in Alabama, Arkansas, Louisiana, Mississippi, Tennessee and nationwide. This work has supported small business owners struggling to gain access to capital, families seeking to own homes and individuals looking for a better way to manage their hard-earned money with a financial institution they can trust.
Job Summary
The Mortgage Loan Processor is responsible for processing loan files by verifying the information the applicants supply on the application, documenting it in accordance with the terms and conditions of the loan approval, and providing the information necessary for the closing of the mortgage loan. This involves the verifying of the applicant's income, assets, liabilities and collateral value. It may also involve gathering additional documentation required to qualify applicant for various grant programs.
Primary and Essential Functions
Review file received from originator/correspondent lender for necessary documentation and disclosures.
Review the file input in mortgage software and any grant specific software.
Follow-up on any documentation that has not been received, including ordering the appraisal, FHA/VA case numbers, and alternative documentation if required, etc.
Follow-up on any grant specific documentation that is needed.
Order Credit Alert Interactive Voice Response System (CAIVERS), check Limited Denial of Participation (LDP)/General Services Administration lists.
Evaluate documentation received for correctness and completeness.
Prepare file for submission to underwriting and grant program underwriter or coordinator.
Follow-up on any additional requirements by underwriter and/or grant program underwriter or coordinator.
Complete information necessary for the closing of the loan including contacting the attorney for setting the closing date, insurance agent for insurance policy, flood cert, etc.
Provide the loan closing documents for grant programs.
Communicate with the originator and applicant concerning the progress of the loan file.
Complete denial/cancellation procedures on all files that are denied or cancelled.
Deliver post-closing documents to grant providers as required.
Provide excellent internal and external customer service.
Secondary Functions
Perform general administrative duties such as attending meetings, report production, etc.
Complete tracking of file in mortgage software.
Send updates of file progress to realtor, etc.
Work with other departments when needed on projects related to the mission of HOPE.
Regulatory Compliance Requirements
Must comply with registration requirements with National Mortgage Licensing System (NMLS)
Must comply with provisions of the Bank Secrecy Act (BSA).
Must comply with the provisions of the Privacy of Consumer Financial Information regulations.
Must comply with the provisions of the Right to Financial Privacy Act.
Must comply with the provisions of the Equal Credit Opportunity Act (Regulation B).
Must comply with the provisions of the Fair Credit Practice Rule.
Must comply with the provisions of the Fair Credit Reporting Act.
Must comply with the provisions of the Fair Housing Act.
Must comply with the provisions of the Flood Disaster Protection Act.
Must comply with the provisions of the Home Mortgage Disclosure Act (Regulation C).
Must comply with the provisions of the Homeowners Protection Act.
Must comply with the provisions of the National Flood Insurance Act.
Must comply with the provisions of the Real Estate Settlement Procedures Act (Regulation X).
Must comply with the provisions of the Servicemembers' Civil Relief Act.
Must comply with the provisions of the Truth in Lending Act (Regulation Z).
Must comply with the provisions of the Mortgage Disclosure Information Act.
Must comply with the provisions of Appraisal Independence Interim Final Rule
Must comply with the Interagency Appraisal and Evaluation Guidelines
Must comply with the Dodd-Frank Act
Must comply with the Consumer Financial Protection Bureau
Accountability for Business Results
Timeliness and quality of the loan process
Loan closing cycle time
Timeliness of grant funding
Specified Authority Level
Run Desktop Underwriter
VA/FHA Connection
Approve HUD-1 Form for grant closings
Approve loans for grant compliance according to program guidelines
Competencies/Skills
Excellent Customer Service, written and verbal communications skills
Keen analytical skills
Working knowledge of word processor, spreadsheet, other PC applications, or mainframe applications to produce non-standard, creative products
Ability to read and interpret documents, write routine reports and correspondence
Ability to compute rate, ratio, percent, and interpret data
Ability to effectively use DU/Total Scorecard & GUS
Ability to apply commonsense understanding to carry out detailed but uninvolved written or oral instructions
Ability to deal with problems involving a few concrete variables in standardized situations
Knowledge of regulations and requirements of investors, federal regulations and compliance in mortgage lending
Desired Qualifications
Bachelor's degree in relevant field preferred or equivalent experience in mortgage lending
Three years' experience in residential mortgage loan processing and/or closing
Demonstrated strength in ability to manage multiple projects at once while maintaining appropriate attention to details
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
Mortgage Processor
Loan Processor Job In Muscle Shoals, AL
Full-time Description
Overview: Listerhill Credit Union is a financial cooperative whose primary purpose is to help our members live financially healthy lives. In 1952, seven Reynolds Metals employees deposited $5 each with the idea of starting a credit union that was member-owned and member-focused. Helping co-workers break from predatory lenders to borrow affordably and save for their financial futures, was their motivation. We have grown from a single office at Reynolds Metals to 18 branches throughout northwest Alabama and south-central Tennessee. Today, we serve 13 counties with a full line of financial solutions. Our purpose and commitment to financial health has never changed. We recognize what is good for our members is good for us. We aspire to high standards of integrity, excellence, and passion. Furthermore, we strive to be innovative for the members' benefit and engaged in the betterment of their communities.
The Role: Your efforts and ultimate successes should be measurable and recognizable as you strive daily within LCU's vision: “to value people over profit, proactively seek improvement, work passionately, exceed expectations, and make our community a better place”. You will serve as a processor for mortgage applications, obtaining, verifying, and documenting all information and submitting application to underwriting for approval. You will prepare and obtain all closing documents for delivery to Attorney for closing, assuring the Listerhill Credit Union's lien position.
What you will do:
Process mortgage loans in a timely manner; order and review title searches, title opinions, appraisals, flood certificates, credit reports and all other related documents (i.e. - VOD, VOE, etc.) to ensure accordance with legal and procedural /policy compliance requirements are met and to ensure member satisfaction
Satisfy any requirements mandated by underwriting staff, Fannie Mae Automated Underwriting System, and /or the Veterans Administration
Be knowledgeable of lender products and companies and must be able to process loans according to lender guidelines
Be able to process loans through desktop underwriting (DE/LP) for submission
Serve as liaison between the member, loan officer/originator, and the underwriting department
Perform other duties as assigned
Requirements
Qualifications:
High School Diploma or GED
Three years financial services experience with some mortgage background
Must be eligible to register with the Nationwide Mortgage Licensing System and Registry (NMLS)
Knowledge of basic consumer and mortgage lending concepts and guidelines
Must possess a professional demeanor and personality conducive to sales and service culture. (This qualification will be measured by validated testing)
Must communicate well orally and in writing
PC skills
Knowledge of and use of DE/LP
Commitment to LCU's Mission Statement and Core Values
Must successfully complete appropriate LCU assessments
This Job Description is not a complete statement of all duties and responsibilities comprising this position.
Listerhill Credit Union is an equal opportunity employer and does not discriminate in employment decisions based on any factor protected by federal, state of local law.
Mortgage Loan Officer - AL
Loan Processor Job In Alabama
Full-time Description
Canopy Mortgage is hiring a full-time Branch Managers and Loan Originators who want the control of a banker with great pricing.
Candidates will be responsible for developing referral partners in his or her local territory, generating loan volume and interfacing with the borrower. We need originators who have a passion for challenging the status quo, want to be digitally relevant, and take control of their local market.
We've been revolutionizing the mortgage process for the last 10 years by building proprietary systems that increase efficiencies across the entire life of the loan, enabling our teams to do more volume with less effort.
This is a totally new and unique opportunity in the mortgage industry that will give you state of art proprietary systems, great pricing, and complete control of your loans with in-house underwriting and funding. This opportunity is full-commission for seasoned LO's who want to produce with the aid of industry leading tech and support. If your tired of legacy costs, middle management, and non-producers driving up your loan pricing, apply today.
Hiring Loan Officers licensed in every state except New York.
Requirements
Minimum 2 years' experience and NMLS Safe Act compliant
1 active state license
Established contacts/referral partners
Knowledge of different types of loans and credit bureaus
Working history of loan process and general underwriting guidelines
Funding 1 million in self-generated production
College preferred, not required with proven mortgage experience
Proven track record of proactively soliciting new business
Strong communication skills and detail oriented
Ability to work independently and remote
Seasonal - Loan Specialist I - Collateral Servicing
Loan Processor Job In Birmingham, AL
At ServisFirst, Our Name is Our Mission.
DUTIES AND RESPONSIBILITIES
The - Loan Specialist I - Collateral Servicing (Seasonal) is responsible for processing any or all of the following: Insurance Policies for all accounts with a balance in excess of $250,000, UCCs, Vehicle Titles, Cash Collateral, other collateral as requested, Exception Clearing and Imaging of Files.
The incumbent will:
Review and process UCCs received daily
Image and file all incoming documents and files
Process UCC continuations, amendments, and terminations as needed
Track name changes on UCCs and notify lenders when received
Process insurance policies received daily
Review reports weekly to ensure accounts have current insurance coverage
Process Vehicle Titles for name transfers and liens and track for receipt
Second review of Mortgage Releases
Responsible for imaging UCC, Insurance documents, and loan files when needed
Clearing collateral exceptions as needed
Assist with special projects as needed
Responsible for being familiar with all compliance regulations and policies that are applicable to this position and follow and ensure compliance with these regulations and policies
Note: Reasonable accommodation may be made to enable otherwise qualified associates/applicants with disabilities to perform the essential functions of the job.
Note: Additional duties and responsibilities may be assigned.
MINIMUM QUALIFICATIONS
High school diploma or equivalent
Two (2) or more years of related or similar experience
Basic knowledge of commercial and consumer loan documentation and related regulations
Ability to complete work in a timely fashion with little to no supervision while performing duties, as demonstrated in previous experience meeting regular production goals
Experience working with Microsoft Outlook, Word and Excel
PHYSICAL REQUIREMENTS AND ENVIRONMENTAL CONDITIONS
The physical requirements and environmental conditions of this position consist primarily of:
Sustained sitting at a desk or workstation
Frequent use of PC, including typing or sustained attention to monitor
Frequent typing using a keyboard and/or calculator
Occasional lifting of basic office files or equipment up to 25 lbs
Normal office environment with comfortable internal temperatures and low level noise
Experienced Loan Officer
Loan Processor Job In Alabama
Are you:
• Team Inspired?
• Customer Obsessed?
• Results Driven?
• Kinda Curious?
• Character Matters?
radius continues to change the lives of those who choose to originate loans for our company. This infectious enthusiasm has helped spur our growth all along the Eastern Seaboard. We have developed a culture that prioritized team-inspired people focused on winning. The result: countless purpose-filled careers for those eager to take advantage of the opportunity.
What is Our Culture?
Supportive
• Deal Desk, if you need structuring help.
• Marketing Team Support
• CRM - Total Expert
• Training - Company Sponsored
Innovative Technology
• Focused on Artificial intelligence (BOTS)
• Robotic Process Automation (BOTS)
• Mobile Experience for both Consumer and LO
• Cutting edge collaboration tools - Connect with team on the go!
• Interactive consumer experience
Progressive
• Purchase focused
• Growth Oriented
• Right-sized for today's market
• Pricing concessions if needed to keep you competitive.
Strengths
• Extremely Strong and Cutting-Edge Technology that maximizes efficiency, convenience, and speed.
• 100% Customer Obsessed
• Attractive Products and Pricing Models
• Very Robust Marketing Department, not focused on a one size fits all mentality
• A built-in marketing budget that grows in tandem with your personal production
• Operational support with LOA and Processor are provided to help you grow your business
• Highly competitive commission structure.
Requirements
Primary Responsibilities:
• Evaluate loan request through our automated loan application system
• Analyze financial data
• Structure loans to comply with acceptable lending practices and Federal regulations.
• Develop a personal marketing plan
• Build and Maintain relationships with customers throughout the loan process.
• Create a Marketing Plan for your referral partners. Realtors, Builders, Developers, and Past Clients.
Although you may work remote, you won't be alone
• LOA Support
• Dedicated processor for your loan files
• In house underwriting/closing
• Need help structuring a loan file, or have a guideline question(s)? Our Deal Desk, will help insure you are on the right path.
Syndicated Loan Closing Specialist - CIB
Loan Processor Job In Hoover, AL
Thank you for your interest in a career at Regions. At Regions, we believe associates deserve more than just a job. We believe in offering performance-driven individuals a place where they can build a career --- a place to expect more opportunities. If you are focused on results, dedicated to quality, strength and integrity, and possess the drive to succeed, then we are your employer of choice.
Regions is dedicated to taking appropriate steps to safeguard and protect private and personally identifiable information you submit. The information that you submit will be collected and reviewed by associates, consultants, and vendors of Regions in order to evaluate your qualifications and experience for job opportunities and will not be used for marketing purposes, sold, or shared outside of Regions unless required by law. Such information will be stored in accordance with regulatory requirements and in conjunction with Regions' Retention Schedule for a minimum of three years. You may review, modify, or update your information by visiting and logging into the careers section of the system.
Job Description:
At Regions, the Syndicated Loan Fulfillment Specialist will orchestrate the closing process for all members of the Relationship Team and vendors associated with each loan. The closing process entails providing assistance by completing, collecting, and analyzing documents necessary for the extension of credit, booking the loan, resolving documentation exceptions post-closing, and interacting with borrowers, outside counsel, bank associates, and a variety of third parties.
Primary Responsibilities
Drafts and reviews loan documentation for high complexity commercial loans in a multi-state environment
Engages with the deal team on forecasting loan pipeline activity and provides due diligence requirements as loans are assigned
Reviews attorney prepared loan packages for syndicated loans, often with Regions serving as the agent bank
Understands the risks associated with closing various types of commercial loans
Obtains the necessary documents to evidence the debt and secure the loan
Ensures the loan is closed per loan approval and that supporting documentation conforms to loan approval and policy
Identifies potential issues related to documentation, policy or regulatory requirement and remediates prior to closing
Communicates frequently with business partners throughout the closing process
Complies with departmental performance level metrics
Contributes to the formulation of plans to mitigate risks
Understands the client's needs and identifies opportunities to improve and resolve client service issues related to the extension of commercial credit
Serves in a problem-solving capacity by providing client service for loan products
Addresses loan setup issues promptly to ensure system data integrity
Partners with one (1) or more of the following segments: Real Estate Banking (includes Home Builder Finance, Income Property Finance, Affordable Housing, Real Estate Corporate Banking), Regions Equipment Finance, Specialized & Diversified Industries, and Problem Asset Management
Support in Real Estate Banking, Regions Equipment Finance, Specialized & Diversified Industries, and Problem Asset Management includes ensuring loans are booked timely, disbursing loan proceeds in accordance with loan approval and packaging loan documents
May assist with the training of team members in areas such as loan documentation and compliance
This position requires the tracking of time and is eligible for overtime for hours worked in excess of 40 per week under the Fair Labor Standards Act.
Requirements
High School Diploma or GED
Six (6) years of related financial services industry experience
Advanced knowledge of insurance requirements and other property due diligence necessary for real estate transactions
Advanced knowledge of syndicated transaction and the ability to collaborate with Capital Markets and other lenders for agent and non-agent deals
Preferences
Bachelor's degree
Previous Commercial Banking and/or Commercial Equipment Leasing Experience
Skills and Competencies
Ability to provide excellent customer service
Demonstrates knowledge of commercial credit, regulatory (including Bank Secrecy Act - Anti Money Laundering Software (BSA/AML), Beneficial Ownership, Office of Foreign Assets Control (OFAC), Flood Regulations) and documentation policies
Demonstrates strong interpersonal, verbal and written communication skills
Excellent time management
Highly organized, detail-oriented, and able to manage multiple projects under time constraints
Responds with a sense of urgency
Strong analytical and problem-solving skills
Prior syndicated loan fulfillment experience preferred.
Position Type
Full time
Compensation Details
Pay ranges are job specific and are provided as a point-of-market reference for compensation decisions. Other factors which directly impact pay for individual associates include: experience, skills, knowledge, contribution, job location and, most importantly, performance in the job role. As these factors vary by individuals, pay will also vary among individual associates within the same job.
The target information listed below is based on the Metropolitan Statistical Area Market Range for where the position is located and level of the position.
Job Range Target:
Minimum:
Median:
Incentive Pay Plans:
This job is not incentive eligible.
Benefits Information
Regions offers a benefits package that is flexible, comprehensive and recognizes that "one size does not fit all" for benefits-eligible associates. Listed below is a synopsis of the benefits offered by Regions for informational purposes, which is not intended to be a complete summary of plan terms and conditions.
Paid Vacation/Sick Time
401K with Company Match
Medical, Dental and Vision Benefits
Disability Benefits
Health Savings Account
Flexible Spending Account
Life Insurance
Parental Leave
Employee Assistance Program
Associate Volunteer Program
Please note, benefits and plans may be changed, amended, or terminated with respect to all or any class of associate at any time. To learn more about Regions' benefits, please click or copy the link below to your browser.
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Location DetailsRiverchase Complex North BuildingLocation:
Bring Your Whole Self to Work
We have a passion for creating an inclusive environment that promotes and values the differences that make each of us stand out as unique individuals and help provide valuable perspective that makes us a better company and employer. More importantly, we recognize that creating a workplace where all people can do their best work and thrive is the right thing to do.
OFCCP Disclosure: Equal Opportunity Employer/Disabled/Veterans
Job applications at Regions are accepted electronically through our career site for a minimum of five business days from the date of posting. Job postings for higher-volume positions may remain active for longer than the minimum period due to business need and may be closed at any time thereafter at the discretion of the company.
Loan Officer - Birmingham and Huntsville, AL
Loan Processor Job In Birmingham, AL
With relationships as one of Benchmark's core values, building and maintain relationships with the goal of sourcing loan applications will be the primary focus of our loan officers. The Loan Officer sources and originates loan applications from consumers and maintains relationships to develop and keep an active pipeline of applicants.
Ideal candidates for this position have a strong service-oriented mindset with prior loan sale experience, excellent communication skills, and proven knowledge of mortgage lending compliance and regulatory requirements.
Essential Functions of the Role:
Establish and maintain relationships through frequent travel with individuals including existing clients, past clients, and real estate professionals to generate business referrals.
Maintain a pipeline of applications within federal and state regulations.
Analyze mortgage applications and determine the programs best meeting the needs of the consumer.
Gather required application data and provide initial documents and disclosures to the applicant.
Communicate and educate the consumer on qualified programs including benefits and risks.
Support communication through the loan process between operations staff and the borrower.
Provide all applicable initial documents and disclosures to the loan processor.
Other duties as assigned.
Essential Knowledge/Skills/Abilities:
Strong communication skills
Ability to generate leads
Customer service oriented
Proven ability to prioritize and multi-task
Knowledge of various loan products (FHA, VA, conventional, etc.)
General knowledge of credit reports and debt-to-income ratios
Ability to adapt to market changes
Knowledge of the mortgage loan process
Proven ability to monitor and track multiple deadlines
Experience Requirements:
One to two years residential mortgage origination experience required.
Education/Licensing Requirements:
High school diploma or equivalent required. Some college preferred.
Licensed in market area and registered nationally in NMLS.
Professional certifications (CMB, CMC, CMPS) preferred.
Working Conditions:
Fast-paced environment.
Requires normal vision (corrected) both close and distant.
Requires normal hearing levels (corrected).
Requires working at a desk to use a phone and computer for extended periods of time.
Requires sitting, bending.
Works effectively with frequent interruptions.
Lifting requirements of 10 lbs. occasionally.
Frequent travel >50%.
Along with a great culture and competitive pay, at (Benchmark/Eleven) Mortgage our full-time employees are eligible for additional benefits including:
Medical, dental, and vision insurance
Short-term and long-term disability
401(k) and Roth 401(k) plans with a Company match
Company-provided life insurance
AND MORE!
Loan Specialist I or II
Loan Processor Job In Atmore, AL
Loan Specialist I:
Perform duties regarding processing of loans
Preparation of consumer denials
Creation/completion of various loan reports
Other duties and tasks as assigned
Loan Specialist II:
All duties of a Loan Specialist I. In addition:
Perform duties regarding processing of more complex loans
Loading/funding of loans
Loan verification
Loan review
Loan maintenance
Creation/completion of various loan reports
Other duties and tasks as assigned
Outside Loan Originator
Loan Processor Job In Dothan, AL
Job Details Experienced 7654 Dothan AL - Dothan, AL Full Time High School Road Warrior Day SalesDescription
The Outside Loan Originator provides residential mortgage loans to borrowers looking to purchase real estate or refinance an existing mortgage and generates leads to increase production. An Outside Loan Originator works greater than 50% of the time away from the office. This position is paid solely by commission.
Reasonable accommodations may be made to enable individuals with disabilities to carry out essential functions.
Establishes and maintains relationships with realtors, builders, title companies and other related companies to generate and expand business through the execution of marketing campaigns and promotional events. Hosts community education seminars for real estate professionals.
Identifies the creditworthiness of borrowers by examining credit reports, tax returns and assets.
Counsels borrowers on the appropriate loan programs and educates them on the mortgage loan process. Responds to customer questions and concerns.
Originates the mortgage loans, including pricing and locking pre-approved loan transactions. Discloses Loan Estimates and other necessary documents within the required timeframes.
Maintains current knowledge of agency and investor guidelines as well as state and federal regulations.
Follows up on leads, loan applications, missing items, and conditions. Ensures items are submitted prior to the service-level agreement deadlines.
Updates borrowers and their agents on the status of loan applications.
Oversees the production pipeline and resolves escalated issues to ensure loan transactions close correctly and in a timely manner.
Provides superior customer service to achieve customer satisfaction.
Manages a team of loan partners.
Competencies
Competencies include but are not limited to the following:
Customer/Client Focus.
Business Development.
Analytical Thinking.
Problem Solving.
Communications Proficiency.
Organizational Skills.
Time Management.
Presentation Skills.
Supervisory Responsibility
This position manages his or her loan partners and is responsible for delegating tasks to them.
Work Environment
This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.
Physical Demands
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
While performing the duties of this job, the employee is occasionally required to stand; walk; sit; use hands to handle objects, tools or controls; reach with hands and arms; and talk or hear.
Travel
Travel is primarily local during the business day, although occasional out-of-area and overnight travel may be expected, for promotional events and closings.
Qualifications
Required Education/Experience
Requires a high school diploma and thorough knowledge of investor and agency guidelines as well as state and federal regulations.
Preferred Education/Experience
Preferable to have a bachelors degree and thorough knowledge of investor and agency guidelines as well as state and federal regulations.
Additional Qualifications for Eligibility
Additional qualifications include an NMLS license.
Mortgage Loan officer - Alabama/Georgia
Loan Processor Job In Hoover, AL
Position OverviewAt PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. We work together each day to foster an inclusive workplace culture where all of our employees feel respected, valued and have an opportunity to contribute to the company's success. As a(n) Mortgage Loan Officer within PNC's Mortgage organization, you will be based in Alabama or Georgia. We are open to locations based on your center of influence. (Birmingham, Mobile, Montgomery, Huntsville, Atlanta)
** Ideal candidates will have a proven history of production
This role is salary plus incentive Job Description
Recommends loan solutions in accordance with lending guidelines and clients' requirements.
Manages a portfolio of customer relationships. Seeks prospective opportunities to retain and/or develop new clients. Responsible for sales calls.
Develops and prepares loan solutions and refers products and services; reviews documentation to ensure compliance. Manages customer pipeline for efficiency.
Collaborates with internal and external stakeholders to complete mortgage transactions.
Collects and analyzes customer financial information for multifaceted and/or complex borrowers.
PNC Employees take pride in our reputation and to continue building upon that we expect our employees to be:
Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions.
Managing Risk - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework.
Qualifications
Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role. Listed below are skills, competencies, work experience, education, and required certifications/licensures needed to be successful in this position.
Preferred SkillsBanking Products, Client Prospecting, Customer Relationships, Customer Solutions, Documentations, Innovation, Mortgages, SalesCompetenciesCustomer Experience Management., Effective Communications, Financial Analysis, Loan Origination, Matrix Management, Mortgage Products., Sales Tasks And Activities, Scheduling Work and Activities, Selling.Work ExperienceRoles at this level typically require a university / college degree with < 1 year of professional experience and/or successful completion of a formal development program. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.EducationNo DegreeCertificationsNo Required Certification(s) LicensesCandidates being considered for this position will be subject to additional background checks as required by Consumer Financial Protection Bureau regulations.BenefitsPNC offers a comprehensive range of benefits to help meet your needs now and in the future. Depending on your eligibility, options for full-time employees include: medical/prescription drug coverage (with a Health Savings Account feature), dental and vision options; employee and spouse/child life insurance; short and long-term disability protection; 401(k) with PNC match, pension and stock purchase plans; dependent care reimbursement account; back-up child/elder care; adoption, surrogacy, and doula reimbursement; educational assistance, including select programs fully paid; a robust wellness program with financial incentives.In addition, PNC generally provides the following paid time off, depending on your eligibility: maternity and/or parental leave; up to 11 paid holidays each year; 8 occasional absence days each year, unless otherwise required by law; between 15 to 25 vacation days each year, depending on career level; and years of service.
To learn more about these and other programs, including benefits for full time and part-time employees, visit Your PNC Total Rewards.
Disability Accommodations Statement
If an accommodation is required to participate in the application process, please contact us via email at AccommodationRequest@pnc.com. Please include “accommodation request” in the subject line title and be sure to include your name, the job ID, and your preferred method of contact in the body of the email. Emails not related to accommodation requests will not receive responses. Applicants may also call ************ and say "Workday" for accommodation assistance. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.
At PNC we foster an inclusive and accessible workplace. We provide reasonable accommodations to employment applicants and qualified individuals with a disability who need an accommodation to perform the essential functions of their positions.
Equal Employment Opportunity (EEO)
PNC provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.
California Residents
Refer to the California Consumer Privacy Act Privacy Notice to gain understanding of how PNC may use or disclose your personal information in our hiring practices.
Mortgage Lending Officer
Loan Processor Job In Montgomery, AL
RB&T Mission Statement: As a trusted partner and friend, River Bank & Trust helps our neighbors and the businesses in our communities to reach their financial goals. River Bank & Trust is looking for a Mortgage Lending Officer (MLO) who is prepared to make a difference in the lives of our customers, by providing unmatched knowledge and hospitality. This is achieved not only through the bank's commitment to support your success, but also through your community involvement/relationships, ability to uncover the customer's needs, recommend the best mortgage product, and help the customer throughout each step of the process to get the loan closed promptly.
Essential Duties and Responsibilities:
Reasonable accommodations may be made to enable individuals with disabilities to perform the
essential functions. The essential functions include, but are not limited to the following:
* Interview customers to determine their mortgage needs
* Responsible for collecting financial information & evaluating creditworthiness and eligibility
to obtain a mortgage loan
* Guide the customer through their options and throughout the process
* Prepare and submit mortgage loan applications
* Ensure data are in line with national and local financial guidelines
* Keep the customer informed throughout each step of the process
* Help resolve problems/conflict with applications
* Ensure compliance with privacy laws and confidentiality throughout the process
* Build and maintain customer relationships, internal referral network, and community
involvement
Minimum Qualifications:
* High School diploma or equivalent
* At least (2) years' experience in related or equivalent mortgage banking
* Knowledge & understanding of real estate lending criteria, compliance, federal/state
regulations, loan origination and servicing software
Skills, Abilities & Expectations:
* Be familiar with and follow policy and procedures, and support Management's decisions
and goals in a positive, professional manner.
* Stay abreast of regulatory requirements and complete annual compliance training
applicable to the position
* Assuring customer service is top priority whether internally or externally; treating
customers and employees professionally, with courtesy and respect
* Ability to work in a fast-paced team environment, handle multiple tasks, and prioritize work
* Detail oriented and organized
Mortgage Loan Originator Job Description
* Ability to analyze financial information
* Excellent interpersonal and communication skills
* Integrity, discretion, and respect for confidential information are absolutely essential
* Willingness to adapt to change
* Work within a variety of different software and web applications
* Able to prioritize duties and effectively manage time
* Analytical and problem-solving skills
* Attend work on a regular basis, on time, and withstand varying degrees of stress
* Excellent interpersonal and communication skills
* Maintaining a professional, business-like appearance and demeanor
* Proficiency in Microsoft Office products to include: Word, Excel, and Outlook
Physical Demands:
The employee will occasionally lift and/or move up to 25 pounds. The employee will regularly sit;
talk; hear; and use hands to finger, handle or feel. The employee will occasionally stand; walk;
reach with hands and arms; climb and balance; and stoop, kneel, crouch, or crawl. Special
vision requirements include close, distant, and peripheral vision; depth perception; and the
ability to adjust focus. The noise level in the work environment is usually moderate. The work
environment and physical demands are those of a standard retail branch setting. Reasonable
accommodations may be made to enable individuals with disabilities to perform the essential
functions of the job.
Disclaimer:
The above information has been designed to indicate the general nature and level of work
performed within this job. It is not designed to contain or be interpreted as a comprehensive
inventory of all duties, responsibilities, and qualifications required of employees assigned to the
job. Incumbent must attend work on a regular basis, on time, and withstand varying degrees of
stress. This position description describes the minimum selection requirements to qualify for the
position. Promotion and other employment decisions are based on employer needs, being in
good standing, fully competent performance, and other non-discriminatory subjects.
Loan Specialist - Enterprise, AL
Loan Processor Job In Enterprise, AL
As a Loan Specialist, you will help Veterans and active duty service members navigate the VA loan process. You will work with Loan Officers, and will often be the first point of contact for borrowers.
Job duties will vary upon assignment but may include:
Interview borrowers and obtain and/or verify information and documentation while educating them on the loan process and product/service alternatives.
Process borrower credit information through the online approval system and analyze for pre-approval or denial of loan applications.
Remain knowledgeable on company and industry guidelines and processes.
Make initial contact and respond promptly to customer inquiries via phone and email to collect borrower financial and credit information.
Inform borrowers on future loan documentation requests, including borrowers' income and asset information.
Actively contribute to making the team and culture stronger by assisting with other duties as needed.
The Loan Specialist position is ideal for someone that can balance their competitive nature with their desire to build and maintain quality relationships. You're able to quickly bounce back from rejection and have the emotional intelligence to handle sensitive conversations with borrowers. This role will require an NMLS license or willingness to become certified before being hired.
We're looking for someone who can be passionate about their job and have fun doing it, who will deliver results with integrity, and who enjoys finding ways to enhance the lives of others every day.
We'll also want to know you can demonstrate these attributes:
Previous experience in the mortgage industry
High attention to detail
Adaptable to change and shifts in priority
Able to self-motivate to meet goals
Willingness to self-source leads
Task management and time management
Proficiency of basic computer technologies
Interested? Apply Today!
Learn more about us on Glassdoor and our career site at vu.com/careers
Veterans United Home Loans and its affiliates are Equal Opportunity Employers that consider all qualified applicants regardless of race, color, religion, sex (including pregnancy, transgender status, and sexual orientation), national origin, age (40 or older), disability or genetic information.
Mortgage Loan Officer
Loan Processor Job In Birmingham, AL
Citizens Trust Bank is an Equal Employment Opportunity/Affirmative Action Employer offering competitive compensation, comprehensive employee benefits and opportunities for career development and advancement. We are committed to investing in our employees, cultivating a rewarding professional team and results-oriented work environment that is based on respect, accountability, and high quality performance.
Citizens Trust Bank prides itself on offering a full-range of quality products and services throughout Birmingham and Eutaw Alabama, metro Atlanta and Columbus, Georgia, markets. Since its inception, the Bank has remained dedicated to the growth and development of communities through superior banking products and extraordinary service.
As an institution of excellence, celebrating over 97 years of success, Citizens Trust Bank continues to champion its commitment to offering customers viable banking solutions with first-class customer service to meet their growing business needs. Delivering on that promise, we continue to be sound and strong and it is our goal that our customers and associates are too.
If you are interested in the position below and meet the qualifications and requirements, please apply at *******************
POSITION SUMMARY:
Responsibilities include but are not limited to the following:
• Researches, identifies and generates business leads, networks, contacts, and opportunities; interviews and works with prospective loan clients and other clients to obtain lending business for the bank; cross-sells and market the bank's mortgage and other banking solutions
• Participates and represents the bank at community functions, events, and activities to develop new lending business opportunities and promote the bank
• Screens mortgage loan requests; educates prospective clients about the bank's underwriting guidelines and all applicable government regulations
• Obtains required information and documents from prospective loan clients and analyzes financial and credit data
• Obtains, manages, and completes the loan application process for clients; enters loan information into mortgage system accurately; submits loan application files for processing and underwriting approval in timely manner
• Delivers exceptional customer services consistently to all customers and oversees and monitors the entire loan application process and status; communicates effectively with customers
• Establishes and maintains productive and effective working and business relationships with internal and external customers, business lines, real estate agents, construction companies, professional associations and organizations, etc. that enhances the overall marketing efforts of the bank
• Hosts and conducts homebuyers related seminars and educational sessions
• Utilizes bank training opportunities and resources; stays abreast of mortgage industry trends and developments; maintains up-to-date working knowledge of the bank's lending programs, policies, procedures, regulatory requirements, applicable laws and regulations
• Demonstrates consistent professional appearance, image, ethics, integrity, and represents the CTB Brand
• Attends and participants in various business meetings; schedules and confirms appointments; follow-up on business referrals
• Composes and distributes various correspondence and reports; assists with the development of marketing material and resources
• Adheres to all policies, procedures, guidelines, expectations, laws and regulations
• Exceeds all established positions' goals, objectives, and expectations
• Supports the Bank's vision, core values, business principles, goals, and objectives
• Performs other duties and responsibilities as assigned
QUALIFICATIONS, SKILLS, AND ABILITIES:
• Strong working knowledge of various type of mortgage loans (FHA, VA, Conventional, etc.) in a banking or mortgage environment
• Bachelor's degree in finance, accounting, economics, marketing, business administration, or related field
• Minimum three (3) years of residential mortgage loan origination, business development experience in a mortgage or banking environment; National Mortgage License System (NMLS) Certification is required
• Good understanding of mortgage and consumer laws, regulations, policies, guidelines, practices, and procedures
• Excellent quality customer service skills and ability to establish relationships in a manner that enhances the overall marketing efforts of the Bank
• Must be able to maintain positive composure and consistently demonstrate professional appearance, image, and represents the CTB Brand
• Ability to prepare mortgage files for underwriting within established guidelines
• Excellent telephone etiquette and respectful of others
• Proficient in Microsoft Office (Word, Excel, Outlook, Internet, and working knowledge of Encompass Mortgage software systems)
• Assertive and demonstrates initiative with the ability to comprehend and follow directions and instructions
• Ability to produce accurate and organized work with minimum supervision
• Genuine interest in serving and caring for others
• Excellent organizational, listening, and interpersonal skills are required
• Ability to handle and maintain confidential matters and information
• Up to date understanding of industry trends and developments
• Must be a self-starter who is self-motivated with the ability to produce results, meet all established goals, objectives, and expectations, and ability to comply with all bank policies, procedures, regulations, and laws
• Excellent analytical and problem resolution and negotiation skills
• Ambitious with a strong work ethic, positive behavior, ability to work both independently and as a part of a team, results focused, and detailed-oriented with excellent time management and planning skills
• Excellent communication skills with ability to communicate clearly, concisely, tactfully, and effectively
• Ability to maintain a proactive approach to assignments and multi-task oriented
• Flexible, resourceful, and energetic with excellent research and presentation skills
• Exceptional creativity with ability to manage multiple tasks and prioritizes work to meet deadlines
• A competitive winning spirit that understands the team concept
• Ability to work through situations and find win-win solutions
• Ability to establish and maintain effective working relationships with co-workers, customers, and representatives of other departments
• Ability to work in a fast paced, high volume environment, and must be adaptable to change
Citizens Trust Bank offers competitive compensation and a comprehensive employee benefits package for our employees. Our benefits package includes the following:
• Medical, Dental, Vision and Prescription Coverage
• 401(k) Retirement Plan
• Employee Stock Purchase Plan
• Life Insurance and Flexible Spending Account
• Paid Time Off, Vacation and Holiday Pay
• Tuition Reimbursement
• Employer Assisted Housing Program
• Fitness & Wellness Program and Sam' s Membership
• Employee Assistant Referral Services (EAP)
• Group Cancer & Accident Insurance Programs
• Worker's Compensation Program
• Incentive, Awards and Recognition Programs
• Training and Development Programs and much more!