HELOC Underwriting Specialist

We need to output HTML fragment with headings

for sections like About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. We must only include sections that have real specific content. The posting includes Position Summary, Essential Functions (Primary Responsibilities and Accountabilities), Additional Functions (Secondary), Position Qualifications (Education, Experience, Licenses), Position Requirements (Competency statements, Physical Requirements). Also location, department, reports to, positions supervised, employee classification, FLSA status. We need to decide which sections to include. We should not repeat job title as heading. We can include "About the role" maybe summarizing position summary and location etc. But we must not invent filler. We need to preserve all substantive info. We can create sections: About the role (position summary + location etc). Responsibilities (essential functions primary + additional). Requirements (maybe combine qualifications and requirements). Skills (competency statements). Benefits, Pay, Schedule: not provided, so omit. We must not include headings with filler like "not specified". So we omit Benefits, Pay, Schedule. We need to use

• for any list of duties/requirements/benefits. For prose use

  . We'll need to decide what is list vs prose. We'll produce something like:

  About the role

  Location: Greenville or Iuka. Department: Central Credit Administration. Reports to: Assistant Retail Credit Mgr. Positions Supervised: None. Employee Classification: Regular Full Time. FLSA Status: Non-Exempt, Hourly.

  Then Responsibilities:

  Responsibilities

  • Receive applications from branch lenders and/or lender assistants and online applications
  • Establish communication with applicants
  ... etc many items. We need to include all essential functions primary responsibilities (the long list) and additional functions. We can combine them into one list. Then Requirements/Qualifications:

  Qualifications

  • Education: Required – High School Diploma or equivalent. Preferred – Post‑secondary certificate or degree, experience will be considered.
  • Experience: Required – 1 to 2 years of experience in banking or related field. Preferred – 3 to 5 years of experience in consumer lending or related field.
  • Licenses and Certifications: Required – None. Preferred – None.
  Then Skills (competency statements):

  Skills

  • Accountability (core value) – Always do what we say and hold one another accountable.
  • Accuracy – Thorough with strict attention to detail; does work right the first time; identifies and corrects errors; produces complete and error free work.
  ... etc. We need to include all competency statements listed: Accountability, Accuracy, Active Listening, Conceptual Thinking, Confidentiality, Community Development, Critical Thinking, Data entry, Detail oriented, Ethical Conduct, Integrity, Respect. Also Physical Requirements maybe could be part of Skills or separate section? Could be under Requirements? But we have no specific heading for Physical Requirements; we could include under Skills or maybe a separate section "Physical Requirements". But the instruction says use headings for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). It doesn't forbid other headings, but says "Use

  for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule)." It implies we should use those headings when appropriate. Physical Requirements could be part of Requirements or Qualifications. I'd include under Requirements maybe as a sublist. But we already have Qualifications; we could add a Requirements section for physical requirements and maybe other requirements like "Ability to work overtime". However the posting includes Additional Functions: Work overtime, etc. That could be under Responsibilities. Thus we can have: - About the role - Responsibilities (primary + additional) - Qualifications (education, experience, licenses) - Skills (competency statements) - Physical Requirements (maybe under Requirements? but we don't have a Requirements heading; we could add a Requirements heading for physical requirements and maybe other non-skill requirements like "Ability to work overtime". But we already covered overtime in responsibilities. Given the instruction to prefer a few substantive sections over many thin ones, we could combine physical requirements into Skills or Qualifications. But physical requirements are not skills; they are requirements. Could add a Requirements section for physical requirements. Thus sections: About the role, Responsibilities, Qualifications, Skills, Requirements (physical). That seems reasonable. We must not include headings with filler. All have content. Now we need to ensure we preserve all substantive information. Let's extract all details. From posting: Job Description HELOC UNDERWRITING SPECIALIST Location: Greenville or Iuka Department: Central Credit Administration Reports to: Assistant Retail Credit Mgr Positions Supervised: None Employee Classification: ☐ Temporary ☒ Regular Full Time ☐ Part-Time FLSA Status: ☒ Non-Exempt ☐ Salary ☒ Hourly ☐ Exempt ☐ Commission Position Summary: The purpose of this job is to accept and complete all responsibilities related to Home Equity Line of Credit loan applications apart from making the final decisions. Essential Functions-Primary Responsibilities and Accountabilities (90%): Reasonable Accommodations Statement ... (we can ignore boilerplate? It's part of essential functions but it's a statement about reasonable accommodations; we should keep it? It's substantive but it's a statement. We'll include as part of responsibilities maybe as a note. Essential Task Statement(s) Branch Credit/Ownership (80%): List of tasks (many). We'll capture each bullet. Then Customer Service (10%): List. Additional Functions-Secondary Responsibilities and Accountabilities (10%): List. Position Qualifications: Education: Required – High School Diploma or equivalent. Preferred – Post –secondary certificate or degree, experience will be considered. Experience: Required – 1 to 2 years of experience in banking or related field. Preferred – 3 to 5 years of experience in consumer lending or related field. Licenses and Certifications: Required – None Preferred – None Position Requirements Competency Statement(s): List of competencies. Physical Requirements: table. General notice etc (boilerplate) we can drop. We need to avoid repeating job title as heading. Now produce HTML. We'll need to escape any special characters? Not needed. Let's craft. First, About the role:

  Location: Greenville or Iuka. Department: Central Credit Administration. Reports to: Assistant Retail Credit Mgr. Positions Supervised: None. Employee Classification: Regular Full Time. FLSA Status: Non-Exempt, Hourly.

  We could also include Position Summary: "The purpose of this job is to accept and complete all responsibilities related to Home Equity Line of Credit loan applications apart from making the final decisions." Add that to About the role. Thus About the role includes position summary and metadata. Now Responsibilities: We'll combine primary responsibilities (the long list) and additional functions. We need to include the reasonable accommodations statement? It's part of essential functions but it's a statement; we can include as a paragraph before list. We'll produce

  Reasonable accommodations can be made to help enable qualified individuals with disabilities to perform the essential functions.

  maybe. Then list. Let's extract the primary responsibilities list exactly as given: - Receive applications from branch lenders and/or lender assistants and online applications - Establish communication with applicants - Enter applications in appropriate software - Prepare loan documents in appropriate software - Follow established loan processing timing guidelines for obtaining disclosures and loan documents - Structure loans - Gather all information and documentation required to accurately underwrite the application - Understand and comply with all regulations related to consumer lending - Understand, verify and document appropriate income and expenses of each applicant and co-signer or guarantor - Order, obtain, and verify all information and documentation needed to make a sound decision - Provide information and documentation needed to make a sound decision to the decisioning lender in a timely manner - Provide excellent customer service throughout the application and loan closing process - Communicate decision to applicants - Send Adverse Action Notices or Counter Offer Notices (when requested by decisioning lender) with appropriate declination reasons and/or stipulations on all declined applications within 30 days of application date - Compile all information and documentation required to protect the bank's collateral position on all approved applications - Compile all information and documentation needed to prove compliance with all consumer lending regulations - Compile all information and documentation needed by Loan Processing to process the loan package - Prepare all documentation required to accurately document the loan file for Safety/Soundness, Compliance, BSA, OFAC, etc. including exhibits, title applications, and any other document not provided by Loan Processing - Establish loan closing date and time - Check accuracy of loan documents prior to closing - Prepare loan package for borrowers’ signatures - Present loan package to borrowers, answer inquiries, obtain signatures, and disburse loan funds appropriately - Prepare and balance disbursement and fee tickets accurately - Submit required documentation to New Loans for booking immediately after disbursement, if branch isn’t able - Follow procedures for attaching documentation to application electronically - Prepare closed loan package and send package to Loan Processing in a timely manner, if branch isn’t able - Obtain any additional documentation or information needed after loan closing and clear all exceptions in a timely manner on applications and/or loans submitted - Able to assume responsibility for loan related task as required or assigned - Ensure bank is in compliance with federal banking regulations including, but not limited to Bank Secrecy Act, OFAC, Community Reinvestment Act, American with Disabilities Act, Right to Financial Privacy Act, Gramm-Leach-Bliley Act, the Federal Reserve’s “lettered” regulations, and Consumer Lending Specialist roles and responsibilities relating to each act. That's a lot. Customer Service (10%): - Represent Guaranty Bank & Trust Company professionally, efficiently, and tactfully - Acknowledge and greet customers with a smile, call customer by their name, ask if they need any additional assistance, thank customer at end of every conversation - Ensure continuing development of professional relationships with management and colleagues. - Answer basic inquiries while complying with disclosure requirements, regulations and consumer privacy policies. - Answer and assist incoming callers with questions and requests; subsequently route callers, as appropriate. - Receive incoming bank visitors and assist in directing them appropriately. Additional Functions (Secondary) (10%): - Work overtime, as needed. - Complete all assigned BAI courses in a timely manner - Perform other duties as necessary to keep the HELOC loan process as efficient as possible - Perform all work within bank guidelines, following bank policies, procedures and standards of performance - Provide assistance to other departments as needed. - Perform other duties that may be assigned and requested. We'll combine all into one list under Responsibilities. Now Qualifications: as above. Skills: list of competency statements. Let's list them exactly: - Accountability (core value) – Always do what we say and hold one another accountable. - Accuracy – Thorough with strict attention to detail; does work right the first time; identifies and corrects errors; produces complete and error free work. - Active Listening – Gives full attention to what others are saying, attentive to others’ ideas and concerns; asks questions to clarify understanding. - Conceptual Thinking – Notices similarities between different and apparently unrelated situations. - Confidentiality (Core Value) – Always maintains strict confidentiality. - Community Development (Core Value) – Always committed to community development. - Critical Thinking – Apply rules and logic to situations; considers factors beyond the initial information given. - Data entry – Proficient alpha/numeric data entry skills. - Detail oriented – Concentrates on routing work details; carefully monitors and examines one’s own and others’ work; ensures accuracy in documentation and data. - Ethical Conduct – Conducts oneself consistently with sound banking practices and standards, upholding the values