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The Associate, Retail Banking (USVI Loan Processor) analyzes the residential loan application to ensure proper documentation, accuracy, and disclosures to obtain a mortgage loan approval by complying with loan product requirements, local and Federal regulations. Position works on-site and can be based in either of our St. Thomas or St. Croix branches.

MAIN DUTIES & RESPONSIBILITIES:

+ Accept all mortgage loan cases referred by dispatch unit for processing and reconcile the physical files received against information gathered in our mortgage platforms.

+ Maintain communication with Mortgage Sales Officers to advise of missing documentation, incomplete files, or any other defect preventing the loan to be forwarded to Underwriting.

+ Analyze consistently the loan file documents for accuracy, signatures, and complement with loan product requirements and Bank policies, guidelines and procedures. About 75% of the time is dedicated to this duty.

+ Keep loan file with updated information and maintain informed customer and other Bank personnel related to transaction, at least once a week.

+ Ensure that loan files contain updated documents with proper signatures, dates, and other relevant data to obtain a loan approval.

+ Perform a variety of duties requiring knowledge of departmental procedures.

+ Use office computers for data input and other activities and orders credit reports

+ Participate on any required meetings and mortgage related trainings as requested.

+ Review documents for proper vesting, legal descriptions, closing dates and signatures

+ Answer inquiries concerning loan processing and information. Complete loan analysis, validate the necessary requirements by product and investor and regulations to submit the case to the credit committee.

+ Other duties may be assigned.

MINIMUM REQUIREMENTS:

+ Associate degree in Business Administration, Accounting, Finance, Marketing or related field required.

+ Two (2) years of mortgage loan processing experience required.

+ Minimum education and experience required can be substituted with the equivalent combination of education, training and experience that provides the required knowledge skills and abilities.

+ Able to communicate effectively and clearly with both internal and external stakeholders.

+ Adept in working independently by being organized, efficient and being able to meet aggressive deadlines and quotas.

+ Effective problem-solving skills with the ability to plan ahead and coordinate activities by establishing priorities, as well as meet and solve unforeseen situations.

+ Knowledge of the laws and regulations applicable mortgage loans & credit policies.

+ NMLS license is preferred but not required. Candidates without it will be expected to obtain it upon hire.

+ Proficiency in Encompass or related mortgage software required.

+ Proficient using the MS Office suite (Word, Excel, Power Point and Outlook) is required.

+ Excellent written and verbal communication skills with a demonstrated ability to write communications clearly, concisely and effectively required. Spanish language proficiency preferred but not required.

WORK AUTHORIZATION & ELEGIBILITY:

+ Legally authorized to work in the US is required. This position is of indefinite duration and requires candidates to have permanent or ongoing work authorization.

+ Employee is responsible for maintaining eligible work authorization throughout his tenure with the organization.

Oriental is an Equal Opportunity Employer (EEO/Affirmative Action for Veterans/Workers with Disabilities)

Recruitment Privacy Statement (https://orientalbank.com/assets/pdfs/recruitment\_privacy\_policy\_statement.pdf)

Compliance Posters

This may be the opportunity to change your life and take your career to the next level.

Oriental is a great place to work, grow and develop. Each employee is key in the company's success. Our team consists of an excellent group of people and we believe you could be one of them. We offer you the opportunity to work and be part of an organization that is dedicated to progress. We offer diverse employment opportunities that go from internships to executive positions. We recognize that our employees are the most important asset of our company, which is why we foster an environment of collaboration, based on trust and mutual respect. Our selection process promotes equal employment opportunity and does not discriminate on grounds of sex, color, age, social status, religious beliefs, veteran status or disability. Included is reference material including our recruitment privacy policy and any relevant labor laws we abide to:

Compliance_Posters / Labor Laws (https://orientalbank.com/assets/pdfs/compliance\_posters.pdf)

Recruitment Privacy Policy Statement

Esta puede ser la oportunidad que cambie tu vida y lleve tu carrera profesional a otro nivel.

Oriental es un gran lugar para trabajar, crecer y desarrollarse. Cada empleado es nuestro factor clave en el éxito de la compañía. La mejor gente del mundo trabaja aquí y creemos que podrías ser uno de ellos. Oriental te ofrece la oportunidad de trabajar y ser parte de una organización que se dedica al progreso. En Oriental ofrecemos diversas oportunidades de empleo, que van desde internados hasta puestos directivos. Reconocemos que nuestros empleados son el activo más importante de nuestra compañía, es por esto que fomentamos un ambiente de colaboración, basado en la confianza, el respeto mutuo, al valorar las diferencias de cada empleado. Nuestro proceso de selección es uno que promueve la igualdad de oportunidades en el empleo y no discrimina por razón de sexo, color, edad, condición social, creencias religiosas, condición de veterano o incapacidad. A continuación material de referencia incluyendo nuestra política de privacidad y leyes laborales aplicables:

Afiches de Cumplimiento/ Leyes Laborales (https://orientalbank.com/assets/pdfs/compliance\_posters.pdf)

Política de Privacidad de Reclutamiento