Consumer Loan Processor -Bank

Preparation of timely and accurate loan documents for Real Estate and Non-Real Estate loans including but not limited to, purchases, refinances, home equity, construction loans, secured and unsecured consumer loans using bank provided software. Communicate with relationship managers, attorneys, and underwriters to ensure accurate processing and closings.

Functional Area of Focus:

• Loan Documentation
• Special projects and other duties as assigned

Essential Duties and Responsibilities:                                                                                        

• Utilizes bank provided Software to prepare loan documents required for each specific loan type, including but not limited to car loans, mortgage loans, HELOCs, and Construction loans
• Adheres to all related compliance regulations including but not limited to TRID, Flood and HMDA
• Works with RMs, underwriting and closing agents to obtain required information for complete and accurate loan documents
• loan operations contact for RMs with questions about the Bank’s consumer, mortgage and construction loan documentation processes
• Preparation of Loan Estimates and Closing Disclosure for real estate loan packages
• Updates loan pipeline activity and status
• Ensures that closing documents are prepared and reviewed within the guidelines set forth in the approved Credit Memorandum
• Prepares loan files for post-closing and booking, including document imaging preparation
• Answers inquiries in a friendly and professional manner
• Responds to inquiries/contacts branch employees, lenders, and third parties in a courteous and timely manner
• Adheres to all Bank policies and procedures
• Assists in updating policies and procedures when appropriate, including making suggestions for process improvements
• Regularly reviews and complies with Consumer Loan regulations
• Monitors all loan documents for compliance purposes
• Attends meetings as needed/required
• Assists with special projects and other duties as assigned
• Collaborates with processing team on complicated or unique issues
• Update checklists and processes, as needed

Education and Experience:

• Experience in mortgage loan and/or construction loan processing (closing) and documentation
• High School diploma or GED required. Associate Degree preferred.

Knowledge, Skills, and Abilities:

• Knowledge in loan processing and consumer lending regulations required.
• Excellent communication, interpersonal, organizational, and PC skills are required.
• Must be detail oriented.
• Strong rapport-building, decision-making, and problem-solving skills are essential.
• Ability to balance meeting daily objectives while promptly responding to telephone and email inquiries
• Must be able to manage time wisely yet have the flexibility to step outside of a typical routine to handle unexpected situations.

Key Competencies:

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; occasional lifting, carrying, pushing, or pulling up to 20 pounds.

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.