Essential Duties and Responsibilities include the following. Other duties may be assigned.
60%--Processing of Mortgage Loans—Conventional, FHA, USDA, and VA.
Assist customers with the completion of conforming and non-conforming mortgage loans in person, online, and by telephone. Respond to mortgage inquiries in a friendly and professional manner. Input information and assist other staff as needed, to assure information is entered into the computer and all necessary preliminary documents are printed timely and submitted for underwriting within 24 hours. Provide mortgage disclosures within regulatory timeframes.
Obtain all information and clear all underwriting conditions as directed, prior to closing.
Order or assist in ordering all documents necessary for the processing and closing of the loans as per procedures.
Assist with the retrieval, printing, processing and returning of all loan packages from out-of-town originators.
20%--Clerical and Customer Service
Greet and assist customers. Respond to all inquiries in a timely and professional manner. Prepare good faith estimates for realtors and customers.
Set up files, intake sheets and assign loan numbers. Monitor and update loan information on a regular basis and assist with the pipeline reports.
Assist with the preparation of necessary tickets/GL batches for daily work and for the disbursing of funds for the loan proceeds and payment of invoices. Perform daily functions such as answering the telephone, photocopying, scanning, mailing notices and other day-to-day tasks as requested. Complete assigned BAI training on or before due dates. Perform other duties as may be assigned.
10%--Marketing and public relations.
Assist in marketing products that are available and develop business with customers and Realtors. Attend functions and meetings related to the real estate market in our trade areas. Utilize and cross sell other services and products offered by bank.
10%- Safety
Ensure the Safety & Security of all team members, customers, the Bank, and personally; this is an essential responsibility of every team member. Accordingly, you, along with all of your team members, are required to: i) perform your duties in a manner that ensures your safety of other team members; ii) maintain situational awareness in your environment and alert your supervisor, manager, or another Bank Officer immediately of any a) unusual, suspicious, hazardous, harassing, or disrespectful activity in the Bank by other team members, customers, or other on Bank premises, OR b) situations or circumstances that could compromise team member, customer, or others safety, security, or privacy; iii) understand and comply with Bank security policy and procedures (see LCSB Security Manual, Safety Manuel, Harassment Policy, Sexual Harassment Policy, Hazard Communications Program, & Acceptable Use Policy (for IT)); iv) complete all assigned monthly information security training within established timeframes and apply training concepts in the performance of duties; v) recognize and appropriately handle all suspicious, questionable, or compromising e-mails whether simulated or real; vi) understand and comply with other Bank Policies and Procedures relevant to Safety and Information Technology. Your awareness and action serve to i) prevent or ii) detect & correct safety issues that compromise a) physical security and safety of yourself, team member, Bank customers, and/or anyone on the Bank’s premises; b) Bank’s electronic systems integrity (including confidential information about the Bank’s operations, customer’s accounts, and other team members); and c) any team member, customer, and/or the Bank’s privacy & reputation.