What are the responsibilities and job description for the Mortgage Loan Processor/Closer Trainee position at CNB Bank & Trust?
MAJOR RESPONSIBILITIES :
- Learn to perform full range of duties pertaining to the loan processing division of the department.
- Develop expertise and communication skills in working with mortgage loan officers, loan servicing, and all other bank personnel to ensure a smooth mortgage loan process and to provide exceptional customer service to all mortgage loan customers.
- Learn to facilitate the loan application process.
- Learn to prepare early and closing documents and disclosure packages within required timelines to be compliant with all regulations.
- Assist in preparation and delivery of files for audit and exam requests.
- Develop and maintain a working knowledge of the loan origination system; assist mortgage loan officers with questions.
- Develop expertise in maintaining follow-up on all required documents for loan closing. Learn to acquire, verify, and document required closing information including, but not limited to, payoffs, charges, real estate tax bills, final homeowner's insurance, and flood insurance information.
- Develop expertise in performing post-closing review of closing documents to ensure compliance with federal and state regulations. Learn to prepare and distribute corrected documentation in a timely manner as required.
- Develop skills in following up for title insurance policies, recorded documents, loan guarantees, private mortgage insurance commitments and other documentation as required.
- Comply with all consumer loan regulations, with particular detail to TRID (TILA-RESPA Integrated Disclosure), Truth In Lending Act (TILA), and RESPA (Real Estate Settlement Procedures Act).
- Assure delivery of exceptional internal and external customer service by adhering to the Bank's written service standards.
ABILITIES REQUIRED :
WORK SCHEDULE (subject to change) :
This full-time position is scheduled for 40 hours per week, Monday through Friday.
Full time opportunities include the following benefits :
Medical, Dental, Vision insurance, Paid holidays, Paid Time Off, Eligible to participate in 401(k) plan
Equal Opportunity Employer / Protected Veterans / Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)
