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Form of workJob Description:
This position performs duties associated with the daily functions and processing of the servicing of loans, post-closing, records management, imaging and quality control functions. Responsible for compliance, data entry, record keeping, research, customer service, escrow and/or account reconciliation. May be responsible for loan document review and government regulatory reporting.
Main Job Tasks & Responsibilities:
- Assists with all collateral lien release and lien perfection tasks for various types of collateral including real estate, vehicle titles, UCC filings, stock certificates and saving/CD accounts.
- Ensure that the bank maintains compliance with established bank policies, guidelines and regulatory requirements as it pertains to flood insurance, hazard insurance, and the Servicemembers Civil Relief Act (SCRA) for the life of the loan.
- Process new and renewed loan input and verifications, to include loan funding and. Manage payments, payoffs, and maintenance.
- Maintain loan system data integrity to accurately reflect loan file contents, as well as to ensure accurate management reporting.
- Prepare reconcilements for various types of general ledger and/or deposit accounts, clearing reconciling items and working with other areas to reduce risks within the bank's general ledgers.
- Review loan documents for accuracy and maintain document exceptions.
- Process various integrity reports as needed to ensure data integrity.
- Responsible for records management, to include process incoming and outgoing documents to make designated loan information available to users digitally by identifying, preparing, scanning, indexing, and delivering incoming mail and other documents.
- Answer telephone inquiries, both internal and external, concerning processing and operations issues; facilitating appropriate resolution.
- Administering the LaserPro and DecisionPro applications to include but not limited to maintaining system parameters, user permission and access and supporting ongoing maintenance and upgrades to the software.
- Working with Compliance, Legal, Credit management, and business lines and to support loan document generation for consumer purpose loans, commercial purpose loans, HELOCs and TRID while maintaining compliance and regulatory standards.
- Support product efforts to provide fast, fair and consistent treatment of each application while enforcing lending limits and overrides capability.
- Participate in development or maintenance of policies and procedures as dictated by new regulations or changes to system software.
- Additional responsibilities and additional responsibilities and duties as directed by Leadership.
Education & Experience:
- High school diploma with experience in banking industry or related field required.
- Must possess accurate typing, spelling and grammar skills as well as superior written and oral communication skills.
Key Competencies:
- Must possess the ability to set priorities and meet deadlines.
- Must be willing and capable of defining problems and taking initiative to propose practical solutions.
- Knowledge of Loan Operations and loan regulations required.
- Strong communication, leadership, and attention to detail.
- The ability to communicate and build rapport with others in core departments and with internal and external business partners. Take initiative, be able to organize and prioritize daily responsibilities and meet established deadlines.
