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Essential Duties and Responsibilities

+ Obtains required documentation and processes more complex loan applications.

+ Orders credit verifications and third-party services.

+ Tracks receipt of and completeness of legal documents, loan, and financial information. Follows up on missing documentation.

+ Verifies loan applications and supporting documents for accuracy and completeness.

+ Assists financial advisors and clients with moderately complex inquiries or problems.

+ May prepare and compile documents for loan closing.

+ May prepare or review disclosures for accuracy including Good Faith Estimates of closing costs, Regulation Z disclosures, and other disclosures required by consumer regulation.

+ May perform initial credit analysis submission via automated underwriting, as requested.

+ May schedule and coordinate loan closings and clear loan proceeds for disbursement.

+ May prepare compliance and accounting records and reports, as required by management and regulatory agencies.

+ May perform routine loan calculations.

+ May perform pre-closing, post-closing, or whole loan due diligence review of legal agreements and other closing documents.

+ May prepare financial advisor and client communications regarding loan and loan terms.

+ May be responsible for reviewing property and liability insurance to ensure it complies with bank policy and procedure.

+ May independently prepare data input sheets and provide required information for loans to be boarded on the banks servicing system and ensure all loan coding is correct.

+ May work with attorneys and other financial or legal resources to obtain the correct, accurate documents to fully protect the financial institution’s interests in the credit relationship.

+ Maintains currency in loan processing policies and procedures.

+ Performs other duties and responsibilities as assigned.

Knowledge of

+ Intermediate level concepts, practices, and procedures of loan processing and documentation.

+ Basic principles of banking and finance.

+ Financial markets and products.

+ For Mortgage position, Fannie Mae, and Freddie Mac underwriting guidelines.

+ For Mortgage position, multi-state real estate, closing, and title practices.

+ Federal and state lending laws.

+ Loan origination software packages.

Skill in

+ Processing more complex loan applications.

+ Verifying loan applications and supporting documents for accuracy and completeness.

+ Preparing loan approval and/or loan closing packages.

+ Preparing records and reports.

+ Performing routine loan calculations.

+ Operating standard office equipment and using required software applications.

+ Solid analytical and problem-solving skills.

+ Reviewing and interpreting residential and consumer documentation and terms.

Ability to

+ Read, interpret, analyze, and apply information from loan application documents.

+ Interpret and apply policies.

+ Organize, manage, and track multiple detailed tasks and assignments with frequently changing priorities in a fast-paced work environment.

+ Communicate effectively, both orally and in writing.

+ Work independently as well as collaboratively within a team environment.

+ Handle stressful situations and provide a high level of service in a calm and professional manner.

+ Establish and maintain effective working relationships.

Licenses/Certifications

+ None required.

**Travel Required:** No