Loan Processing Team Lead

Key Responsibilities / Essential Functions

• Ensure timely assembly and delivery of loan packages to underwriters, including borrower and property financial information, confirming compliance with appropriate rules and regulations.
• Manage and process assigned pipeline of conventional, government and non-conforming mortgage loans from application to approval.
• Aid Consumer Credit Manager in developing, implementing, and maintaining efficient process flows conducive to federal and state compliance regulations as well as bank policies and culture.
• Provide guidance and expertise to other loan processors on standard mortgage lending concepts and practices.
• Aid in conducting audits of loan officers, processors, and underwriters to identify errors and areas of weakness, as well as to evaluate accuracy and compliance on all loan documentation.
• Work with Legal and Compliance to ensure policies, procedures, and practices meet federal and state regulations and the regulatory agency of the bank (OCC).
• Evaluate internal pipeline reports for compliance and operations turn time and maintain and disseminate monthly and weekly reports.
• Train new employees and facilitate ongoing training and cross-training.
• May handle time management and contribute to performance management of processors.
• Maintain confidentiality and security of sensitive information.
• Adhere to all corporate policies and procedures, Federal and State regulations, and laws.
• Complete all mandatory annual compliance training.
• Follow regulatory requirements including those pertaining to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP), and OFAC to assist in the identification, detection, and determent of money laundering and other unlawful activities, as well as regulations pertaining to lending and consumer compliance to include fair lending laws.
• Perform other duties and special projects as assigned.

Education Job Requirements

• High school diploma or equivalent.
• Required 6+ years of mortgage processing experience including conventional and government loans.
• Thorough knowledge of the lending, processing, and underwriting guidelines of the Federal National Mortgage Association and United States Department of Agriculture.
• Thorough knowledge of bank underwriting guidelines, as well as loan processing functions and related requirements and procedures.
• Familiarity with all Federal and State banking regulations, including the Bank Secrecy Act and the USA Patriot Act.
• Familiarity with all Federal and State banking regulations pertaining to lending and consumer compliance, including fair lending laws.
• General knowledge of bank deposit and investment products and services.
• Excellent attention to detail, with strong problem-solving, organizational, and time management skills.
• Solid oral and written communication skills, with ability to interact effectively with all customers, both internal and external.
• Approaches responsibilities with enthusiasm for delivering excellent customer service, displaying energy and drive for accurate task completion, and an overall ambition for success.
• Take personal accountability and responsibility when errors occur and learn from mistakes.
• Able to understand and use bank policies and procedures to ensure operational efficiency and regulatory compliance.
• Proficient in Microsoft Office products.
• Must be bondable.

About HomeTrust Bank

HomeTrust Bank, founded in 1926, is a North Carolina chartered, community-focused financial institution committed to providing value-added community banking through online/mobile channels and multiple locations in Virginia, North Carolina, South Carolina, Tennessee, and Georgia. Learn more at www.htb.com.

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Work Environment, Physical Requirements

• The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job.
• HomeTrust Bank promotes an equal employment opportunity workplace which includes reasonable accommodation of qualified applicants and employees.
• This job operates in a professional office environment and routinely uses standard office equipment such as computers, phones, photocopiers, and fax machines.
• Specific vision abilities required by this position include close vision, distance vision, and the ability to adjust focus.
• Physical activity requiring reaching, sifting, lifting to 25 lbs., finger dexterity, grasping, feeling, repetitive motions, talking and hearing are required.
• The employee will frequently communicate and must be able to exchange accurate information with others.
• The employee may need to move around their office to attend meetings and to access files, machinery, or other job-related tools.
• Up to 25% travel within the markets.

Disclaimer

HomeTrust Bank is an evolving company. As such this job description is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.

HomeTrust Bank’s policy is to provide equal employment opportunities to all persons regardless of race, color, religion, sex (including sexual orientation and gender identity), national origin, age, disability, genetic information, protected veteran status, or any other characteristic protected by federal law. Employment decisions will be based on valid job requirements and business needs, and we administer personnel actions (including recruitment, selection, promotion, compensation, benefits, transfers, layoffs, training, and social/recreational programs) without discrimination on any prohibited basis.