Senior Retail Real Estate Loan Processor-Closer

About the role

The Senior Retail Real Estate Loan Processor/Closer is responsible for all processing steps from origination through closing, and the generation of initial and closing documents of real estate secured loans. This position manages a pipeline that includes a variety of real estate secured loan types (Construction, First Lien Mortgage, Subordinate Financing, Home Equity, etc.).

Responsibilities

• Coordinate and contribute to the daily activities of the Retail Loan Operations real estate processing team.
• Manage daily workflow of real estate processing, including monitoring of pipeline.
• Process and close more complicated real estate secured loans, including Construction, First Lien Mortgage, Subordinate Financing, and Home Equity loans.
• Conduct reviews and communicate results of initial and pre-closing documents to ensure real estate loans meet all bank policy requirements, complex regulatory compliance guidelines, and customer service standards.
• Provide operational guidance and support to Personal Bankers and Loan Officers.
• Review and communicate results of Amendment documents submitted through the WAM portal.
• Identify and bring attention to compliance risks or potential departmental efficiencies.
• Assist with testing of new products and Encompass software updates.
• Assist with updating Real Estate Processing procedures.
• Understand and anticipate all requirements of the real estate loan cycle from beginning to end.
• Demonstrate thorough understanding and ability to apply in-depth knowledge of all federal regulations and bank policies/procedures related to real estate lending.
• Lead by example in creating ways to challenge the team while providing ongoing motivation and positive reinforcement.
• Provide a high standard of customer service to both internal and external customers in person and by telephone.
• Understand and adhere to all applicable bank policies, laws, and regulations applicable to the role.
• Complete required compliance training.
• Follow internal processes and controls as required.
• Report all compliance issues, violations of law, or regulations in accordance with Bank policies.
• Perform or assist with other job-related duties or special projects as assigned.
• Regular and reliable attendance is an essential function of this position.

Requirements

• Three years of real estate loan processing required.
• Experience with HELOCs, bridge, and construction loans required.
• Knowledge of all federal regulations and policies/procedures involving real estate lending.
• Proficiency in Microsoft Word, Excel, and in working with other financial software.
• Experience with Encompass and Fiserv software, including Navigator and Director preferred.

Skills

• Multi-tasking
• Accuracy and attention to detail
• Problem-solving
• Deadline-driven with good judgment
• Effective communication
• Positive and people-focused
• Independence with a team orientation

Working Environment

• Indoor work – not exposed to outdoor elements or hazards.
• Some sedentary work and occasional lifting and/or carrying up to 10 pounds.
• This role is eligible for hybrid work-from-home opportunity under the work-from-home guidelines upon completion of onboarding.