Job Description

Reports to

VP of Mortgage Lending/Auditor

Required Education And Experience

Bachelor's degree in business administration, accounting, finance preferred.
1+ years in mortgage experience (loan officer, processing, underwriting) or experience and knowledge of banking and banking regulations, bank policies and procedures as well as real estate specific compliance (HMDA, TRID, SAFE Act, etc.) preferred.
High school diploma or equivalent required.

Summary/Objective

Underwrite the processing of real estate loans. Track real estate loans throughout the lending process. Determine loan soundness and provide conditions to meet loan closing standards. Responsible for assisting the auditor with bank required audits.

Essential Functions

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 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.

Underwrite real estate loans in a timely manner. Ensure all regulations and requirements are met.
Send interest rates email out daily to RCLC, and RMLO
Balance monthly MPF, P&I, and Delinquency report
Do pre-closing and post-closing audits in a timely manner
Do MPF Quality Control audits from MPF
Check closed loans report and prepare Mortgage releases
Assist with annual escrow analysis process
Make entries for mortgage loans that are booked using QuickBooks
Prepare mortgage payoffs
Fed Express all necessary documents (Payoffs, Notes & Assignments to MPF, etc.)
Record Mortgages at the courthouse
Scan documents as needed – mortgages, final titles, releases, etc.
Underwriting
Assist with new loan processing
In-House Evaluations
Provide any conditions required to meet loan standards.
Conduct compliance loan monitoring on a consistent and scheduled basis.
Follow auditing procedures to conduct audits as directed by the Internal Auditor.
Document audit findings in the format requested by management.
Make recommendations to department heads as to how they can improve in areas where audit revealed deficiencies.
Continue to learn about bank regulations and controls in order to develop auditing skills.
Compliance with Bank Secrecy Act, OFAC and USA PATRIOT Act including Customer Identification Program, customer due diligence-beneficial ownership, identifying high risk accounts, reporting suspicious activities to Supervisor or BSA Department.
Must be able to pay attention to details while performing multiple tasks simultaneously for periods of 2 hours or longer.
Must be able to demonstrate strong computer skills including MS applications, loan software, etc.
Must show up to work regularly without excessive absences.
Must have fluency in English for effective job performance. Must be able to speak clearly, distinctly and be understood by co-workers and customers. Bi-lingual is a plus but not necessary.
Handwriting must be legible and in standard bank-specified format for clear reading by scanners and software.
Numbers must be recorded on forms in correct and accurate order and entered into computer systems in correct and accurate order.
Writing skills must include the ability to spell correctly and use proper grammar and punctuation. This includes both e-mail and formal letters.
Must be able to learn procedures within a bank-specified timeline and follow them accurately and consistently according to bank standards.
Must be able to learn new duties and procedures and implement them into work habits within bank-specified timelines.
Must be able to see in order to view a computer screen.
Must be able to hear and understand verbal requests.
Must be able to read accurately and retain information that was read and apply it.
Must be able to lift and carry 20 pounds.
Must be able to stand or sit for long periods (4 hours or more).
While performing the duties of this job, the employee is regularly required to talk and hear. The employee is frequently required to sit, stand; walk; use hands and fingers, handle or feel; and reach with hands and arms.
Other duties as assigned.

Other Duties

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

Competencies

Communication Proficiency.
Thoroughness.
Personal Effectiveness/Credibility.
Strong attention to detail.
Financial Management.
Problem Solving.
Stress Management/Composure.
Ethical Conduct.

Supervisory Responsibility

This position has no supervisory responsibilities.

Work Environment

This job operates in a clerical office setting. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

Position Type/Expected Hours of Work

Full time position

Classification

Non-exempt

Travel

Limited travel from bank location to another bank location required from time-to-time.

The Citizens State Bank

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