The Loan Servicing Associate will have routine internal and external customer contact. In this role, job functions will have moderate regulatory and reputational risk. This position reviews closing loan documentation to determine it meets all lending regulatory compliance requirements and helps to minimize and correct any exceptions related to missing documentation. This position also reviews loan files to source required Home Mortgage Disclosure Act (HMDA) and Community Reinvestment Act (CRA) data for mandatory regulatory reporting and enters data into reporting software. Additional duties include performing system checks to ensure accuracy and supporting other loan servicing duties as assigned.
Functional Area of Focus:
Overall post audit loan documentation review related to business, commercial, and consumer loans
In-depth understanding of loan compliance with a focus on HMDA and CRA
Loan servicing to include customer support, loan payment processing and file review.
Loan Documentation Review, Collateral Protection and Compliance (75%)
Payment Processing and Loan Servicing Support (25%)
Knowledge:
One year of banking experience, preferably in loan servicing, loan documentation, or loan origination.
Skills:
Demonstrated analytical skills; demonstrated proficiency in the use of standard and specialized computer hardware and software packages such as Microsoft Office; demonstrated strong oral and written communication skills.
Abilities:
Attention to detail with the ability to use available resources to solve problems and follow regulations. Highly organized with the ability to manage daily priorities and deadlines while also having the flexibility to assist with higher priority customer service situations.
Education:
A combination of education, training, and work experience is considered.
Travel:
Occasional local travel for meetings.
Physical demands:
Employee may experience the following physical demands for extended periods of time: view computer monitors, keyboarding, sitting, motion of fingers/hands/wrists, and standing/walking.
Work Environment:
Work is performed in an operational office environment.
Note:
This job description contains the essential functions, duties, and responsibilities of the position in accordance with the Americans with Disabilities Act (ADA). Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. C&F Bank reserves the right to make future revisions to this job description and the inherent responsibilities of the position based on the needs of the organization.
Equal Employment Opportunity Statement -- C&F is committed to providing equal employment opportunity to all qualified persons and reaffirms in policy and practice that it shall not discriminate against applicants or employees because of race, color, religion, gender, age (over 40), disability, genetic information, veteran status (disabled veterans, recently separated veterans, active duty wartime or campaign badge veterans, Armed Forces service medal veterans, and Vietnam era veterans), national origin, or any other consideration protected by applicable federal, state, or local law. This applies to all areas of employment, including promotion, transfer, layoff, termination, compensation, benefits, recruitment advertising, recruitment, and selection for training.
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