Consumer Loan Coordinator - 19 Hours

Key Result Areas

· Quality customer relations

· Effective and accurate interviewing, processing, and underwriting consumer loans

· Assist with Post Closing

Supervised By

VP – Residential and Consumer Lending

Supervises

No one

Essential Functions - may include, but are not limited to:

· Employee is required to attend work

· Effectively interview consumer internet customers in compliance with lending policy

· Accurately process and underwrite consumer loans

· Functioning knowledge of consumer loan processing system (Loan Writer)

· Assist with Post Closer responsibilities when needed

· Timely submit reports on special loan programs

· Ensure activities within assigned functional area of responsibility are following in compliance with Bank policy, and State and Federal Regulations.

Compliance

· Knowledge of Bank policies and procedures

· Responsible for compliance regulations related to this position and receiving appropriate training including but not limited to:

Annually

Ø Right to Financial Privacy Act

Ø Reg. H – Bank Protection Act

Ø Information Security Standards (GLB) (Including Data Protection Act)

Ø Reg. P – Privacy of Consumer Financial Information

Ø Bank Secrecy Act (BSA)

Ø Office of Foreign Assets Control (OFAC)

Ø USA Patriot Act

Ø Fair and Accurate Credit Transaction Act (FACTA)

Ø Reg. X – Real Estate Settlement Procedures Act (RESPA)

Ø Reg. Z – Truth in Lending Act

Ø Fair Credit Reporting Act

Ø Fair Housing Act

Ø Reg. BB – Community Reinvestment Act (CRA)

Ø Reg. C – Home Mortgage Disclosure Act (HMDA)

Ø Flood Insurance Act

Ø S.A.F.E Act

Ø Reg. B – Equal Credit Opportunity Act

Ø Reg. AA – Unfair or Deceptive Acts or Practices (UDAP)

Biennially

Ø Anti-Tying Rules

Ø Reg. O – Loans to Executive Officers and Directors

Ø Military Lending Act

Ø ADA Public Policy (Effective Communication for Individuals with disabilities)

Upon Hire

Ø Real Estate Appraisal

Other Functions

· Monitor internet consumer loan applications.

· Assist branches with consumer loan applications as necessary

· Assist with Lending compliance issues

· Update training guides as necessary

· Perform other duties as required.

*The above is a description of the ordinary duties of the position. It should be expected that from time-to-time other duties, both related and unrelated to the above, may be assigned and, therefore, required.

Education and Experience

High school diploma, plus specialized banking courses required. Lending experience, or some comparable combination of education and experience. Experience with LOS – Loan Writer preferred.

Physical Qualifications

· Work within one building primarily with only occasional reason to travel or be outside on business

· Ability to extend ones arm(s) in any direction

· Ability to sit or stand in an erect position

· Ability to manipulate small objects precisely by whatever means

· Ability to express or exchange ideas by means of the spoken word, both speak and hear

· Ability to be subject to substantial repetitive motions of the body or its parts

· Ability to lift up to 10 pounds occasionally and/or a negligible amount of lifting frequently or constantly to move objects

Other Qualifications

· Pleasant and courteous

· Knowledge of policies and procedures, banking regulations pertaining to lending

· Ability to compute rate, ratio, discount, interest, profit and loss, commission, percentages, and apply basic arithmetic and mathematics to help resolve problem solving situations

· Ability to deal with people beyond giving and receiving instructions such as in a team, supervisory, marketing, or counseling setting

· Ability to perform under stress when confronted with emergency, critical, or unusual situations

· Ability to perform a variety of duties, often changing from one task to another of a different nature without loss of efficiency or composure

· Ability to exchange information with others clearly and concisely; to present ideas, facts, and technical information

· Ability to identify task requirements and monitor progress toward accomplishment

· Ability to maintain relationships that facilitate task accomplishment; to cooperate and resolve conflicts; to recognize needs and be sensitive to others

· Ability to receive guidance and supervision; follow work rules, work procedures; meet deadlines, punctuality and attendance standards, etc.

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Consider this description the foundation of your job, not its boundaries. Expect to participate in training sessions and activities not described here which enhance the quality of service to the customer.

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