ESSENTIAL FUNCTIONS:

• Provides a wide range of office services such as typing, customer and employee phone inquiries, filing, orders flood certifications, report generation and other clerical duties as assigned.
• Attracts, advises and serves existing and prospective customers through the Bank's customer centered marketing plan:
  • Informs customers of available Bank services;
  • Directs and immediate response to customer requests or needs;
  • Prompt and efficient ability to process customer transactions;
  • Provides customers and Branch professionals with timely information directly or by phone.

• Assists in compiling data for various reports as directed by the Mortgage Loan Department Head
  • Compiles accurate and timely information.

• Assists Residential Mortgage Loan Department Head in overseeing the daily operations of the department.

• Responsible for daily operations of portfolio transactions:
  • Reviews applications for completeness;
  • Makes appropriate entries to set up data base and enter loan information;
  • Prepares preliminary disclosures;
  • Reviews credit ratios, orders appraisal, and flood certification;
  • Follows up for missing documentation and insurance information;
  • Sends attorney instruction letter and coordinates closing with attorney;
  • Reviews preliminary title policy;
  • Prepares closing documents and escrow analysis worksheet;
  • Forwards documents to attorney and/or branches;

• Disburses funds and books all Richland office and branch loans;

• Sets up and disburses construction loan accounts.

• Responsible for daily operations of secondary market transactions:
  • Reviews applications for completeness;
  • Makes appropriate entries to set up data base and enters loan into to MPF system;
  • Prepares preliminary disclosures;
• Orders appraisal;
• Clears conditions and prepares loan package;
• Sends attorney letter;
• Coordinates closing;
• Uploads loan file to MPF system;
• Prepares tickets for income received.
• Sets secondary market rates;
• Emails rates to all loan officers;
• Initial contact for the secondary market.
• Reviews pending mortgage files for proper documentation and collateral.

• Compiles settlement sheets and disclosure statements.

• Participates in Loan Administration and Mortgage Department's long- and short-term goals and objectives:
  • Attends annual meeting to develop Departmental goals;
  • Attends monthly relations meetings to discuss and evaluate "progress" on meeting goals and objectives.

• Performs other duties as assigned or directed.

REQUIRED SKILLS/ABILITIES:

• Strong analytical and problem-solving abilities
• Strong verbal communication and business/technical writing skills
• Strong mathematical skills.
• Demonstrated ability to work independently and to follow through on details to completion.

SUPERVISORY RESPONSIBLITY:

This position does not supervise employees.

EDUCATION and EXPERIENCE:

• High School Diploma or equivalent.
• 0 to 3 years’ experience is preferred.

PHYSICAL REQUIREMENTS:

• Ability to concentrate and perform responsibilities by maintaining a constant state of focus and mental alertness.
• Ability to communicate in person, through email or via telephone with customers and staff members.
• Ability to sit or stand for an extended period.
• Ability to lift up to 25 pounds.
• Specific vision abilities required by this job may include close vision and the ability to adjust focus.