Position:

Mortgage Loan Administrator

Basic Function:

Responsible for acting as a liaison between customers, underwriters, attorneys, and originators. Responsible for preparing all mortgage and home equity documents from approval to closing and ensuring that the documents are complete, accurate and comply with company policy, compliance, and regulations. Promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services.

Principal Responsibilities:

• To be the primary point of contact throughout the mortgage loan process, from application to closing and serve as the liaison between loan originators/branch manager, customers,

and attorneys.

• Prepare HELOC commitment and closing documents.

• Provide assistance mainly to the residential lender and other company lending officers as required or as requested including correspondence, typing, information research, filing and taking telephone messages. Drafts memos/letters as appropriate or directed by the underwriter.

• Review active loan files to determine if any documents are missing or what can be done to help the process along.

• Provides effective communication with clients, loan officers, underwriters, and attorneys/paralegals either to request or to provide information during the mortgage process.

• Schedules and prepares closing documents; formats, revises and prints out final copies of complex documents for the lenders.

• Pays bills associated with mortgages in process and closed – flood searches, appraisals, credit reports and invoices the borrower when appropriate.

• Orders Flood Zone Determinations, appraisals, property searches and estoppels.

• Responsible for all aspects of mortgage processing and must be up to date on knowledge of TRID, itemization, disclosures, TILA-RESPA.

• Prepares new loan input for booking, transfers fees to GLs and mails payoffs.

• Reviews mortgage closed loan files for missing documentation. Records missing documents on spreadsheet for tracking.

• Maintains company files, digital and hard copy alike.

• Assist customers and CCB staff with payoff requests.

• Process required loan maintenance in an accurate and timely manner.

• Serves as back up for releasing collateral and discharging mortgages on paid loans.

• Responsible for assisting/backing up the tracking of Residential flood & hazard insurance policies, escrow and non-escrow. Will also help with tracking for renewals, cancellation notices and force placed Residential policies when required.

• Back up to the Retail Loan Operations Admin.

• Balances assigned GLs and DDA accounts.

• Reports Monthly Loan Volume to New York Bankers Title Agency.

• Completes all duties to ensure compliance with BSA and OFAC requirements.

• Promotes an environment that supports diversity and upholds CCB’s Core Values.

· All other duties as assigned.

Required Skills and Experience:

1 year banking experience preferred. Proficient in Microsoft Office Suite. Strong written and verbal communication skills. Ability to work independently and as part of a team. Strong time management skills.

Education:

High school diploma or equivalent required.

Level Of Authority:

Non-exempt

Reports To:

Retail Loan Underwriter

** CCB is an Equal Opportunity Employer. CCB does not discriminate on the basis of race, religion, gender identity, age, non-disqualifying physical or mental disability, veteran status or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit, and business need.

Job Type: Full-time

Pay: $16.70 - $23.38 per hour

Expected hours: 35 per week

Benefits:

• 401(k) matching
• Dental insurance
• Employee assistance program
• Flexible spending account
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Retirement plan
• Tuition reimbursement
• Vision insurance

Schedule:

• Monday to Friday
• No weekends

Experience:

• Banking: 1 year (Required)

Ability to Relocate:

• Little Valley, NY 14755: Relocate before starting work (Required)

Work Location: In person