RE Loan Processing Specialist

Position Summary:

The Real Estate Loan Processing Specialist I will prepare loan documents for closing of real estate loan products to ensure full compliance and quality of loan documentation for funding. This position will collaborate in resolving loan documentation issues by collaborating with all Lending department personnel on problem solving and process improvements. The Real Estate Loan Processing Specialist I will support processes procedures and efforts to maintain and continuously improve loan operations policy procedure and performance.

The Real Estate Processing Specialist is expected to meet and/or exceed Citizens Alliance Banks customer service levels as well as the overall goals of the organization.

The level of this position is based on years of service education and/or equivalent experience knowledge level and skill set.

Essential Functions:

To perform this job successfully an individual must be able to perform each Essential Function and Skill satisfactorily. The requirements listed below are representative of the knowledge skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

1. Demonstrate excellent written and verbal communication skills.
2. Knowledge of real estate terminology and related documentation.
3. Process In House Residential loan applications.
4. Maintain compliance with Citizens Alliance Banks products and services in relation to the Real Estate Mortgage and MPF programs.
5. Communicate with Lenders in all locations with assistance to real estate lending.
6. Maintain knowledge on mortgage loan quality control items such as lien position insurance refinancing and bankruptcy and maintains responsibilities for review and administrative maintenance of such. As well as verifying proper set up on inhouse operating systems.
7. Execute escrow disbursements and escrow analysis associated with taxes and insurance; meeting deadlines and correcting shortages and overages as needed.
8. Identify and detect errors/omissions and arranging for the resolution of those errors.
9. Assist with the tracking of hazard and Flood insurance and HMDA reporting.
10. Create and update procedures/resources for the in house residential real estate loan and escrow processing.
11. Assist in the MPF secondary market loan processing.
12. Work directly with software vendors for the Real Estate and MPF programs.
13. Monitor daily production and work volume.
14. Ability to break down complex problems and arrive at the right solution.
15. Ability to architect and drive change by enlisting support of management.
16. Obtain and maintain a working knowledge of regulatory requirements as they relate to safety and soundness of the Real Estate and MPF Lending programs.
17. Training and Knowledge of regulations governing lending practices.
18. Compile and advise accurate information to management.
19. Assist coworkers as needed.
20. This position requires physical presence in the
21. All employees are expected to exemplify and follow our core values.
22. Regular attendance and punctuality when reporting to work.
23. Travel for trade and industry schools and seminars as needed.
24. This position may require installation of a MultiFactor Authentication (MFA) app on an employees personal mobile device. THE MFA apps are used to authenticate a users identity to the system for security purposes.
25. Adhere to and comply with all applicable federal and state laws regulations and guidance including those related to BSA/AML as well as adhere to the Banks policies and procedures.
26. Perform other duties as assigned and requested.

Core Values:

Humility We are bluecollar bankers. We are relatable downtoearth people who greet our smallest customer the same way we greet our largest.

Respectful Genuine Care for Others We care about each other we care about our customers and we care about our communities.

Finds A Way This simply put is nothing more than attitude. Its a cando spirit a desire to help to contribute to go above and beyond and to make a difference.

Effort We expect a lot of ourselves and hold ourselves to a high standard. We are not entitled and we need to earn it from our customers and each other every day.

OwningIt OwningIt or Accountability is a big word that can encompass a great many things. For Citizens Alliance Bank its about ownership. When an employee says they will do something they follow through and get it done.

Education and Experience:

Required High School diploma or GED etc.

Required Continuing Education to maintain job knowledge.

Required Three to Five years of mortgage banking experience.

Preferred Three to Five years of customer service experience.

Preferred Proficiency in Microsoft Suites.

The employer has the right to revise this position description at any time. The position description is not a contract for employment.

Citizens Alliance Bank is an Equal Opportunity qualified applicants will receive consideration for employment without regard to race color age religion gender sexual preference or orientation gender identity gender expression national origin disability veteran status and all other protected classes.

Required Experience:

Unclear Seniority