UNKNOWN

ADAPTED_NOW

An external mortgage loan officer assistant (LOA) provides support to one or more mortgage loan officers by handling administrative tasks, assisting in the loan application process, and ensuring smooth communication between all parties involved. The loan officer assistant is responsible for the identification and receipt of all supporting documentation needed in the file as well as coordination with the operational support team to drive a successful customer experience.

YEAR

*EXTERNAL LOAN OFFICER ASSISTANT- MORTGAGE BANKING* WHAT IS THE OPPORTUNITY? An external mortgage loan officer assistant (LOA) provides support to one or more mortgage loan officers by handling administrative tasks, assisting in the loan application process, and ensuring smooth communication between all parties involved. The loan officer assistant is responsible for the identification and receipt of all supporting documentation needed in the file as well as coordination with the operational support team to drive a successful customer experience. The LOA is primarily responsible for daily pipeline management, basic communication with the customer and all parties in the transaction, and notification to the senior loan officer of all progress and/or risk items.Must be in good standing under "The Secure and Fair Enforcement for Mortgage Licensing Act of 2008" (Safe Act) and must be registered/licensed with the "Nationwide Mortgage Licensing System and Registry"; or must be able to be registered under the Safe Act. Must remain in good standing under the Safe Act. WHAT WILL YOU DO? * Assist the mortgage loan officer with the day-to-day administrative tasks, including managing calendars, scheduling appointments, and handling correspondence. * Prepare and review loan applications and documentations to ensure accuracy and completeness before submission to underwriting * Provide exceptional customer service by addressing client questions and concerns throughout the loan process. Assist clients in understanding the mortgage process and the documentation required comments sharing they feel supported and informed throughout. * organize and maintain files, records, and databases related to the mortgage loan applications * Assists the Loan Officer in submitting conditions, monitoring expiration date on credit commitments. * Contacts borrowers directly for additional information related to loan requests including documentation require to meet conditions necessary to complete the successful closing of the loan. * Provide ongoing support for compliance with all applicable laws, regulations and administrative duties. * Answers calls from borrowers, escrow, title, agents etc. regarding status and general questions throughout the process of the loan. * Maintains a proactive commitment to established Bank programs, such as Customer first, Community Reinvestment Act (CRA) and Equal Employment Opportunity. WHAT DO YOU NEED TO SUCCEED? *Required Qualifications** * H.S. Diploma * Minimum 5 year of Customer Service experience or financial experience * Must be in good standing under "The Secure and Fair Enforcement for Mortgage Licensing Act of 2008" (Safe Act) and must be registered/licensed with the "Nationwide Mortgage Licensing System and Registry"; or must be able to be registered under the Safe Act. Must remain in good standing under the Safe Act. *Additional Qualifications* * Bachelor's Degree Preferred * Excellent verbal and written communication skills. Must have good analytical skills and the ability to pay close attention to detail. * Utilizes independent judgment under general supervision. * May interact with clients, and occasionally with vendors and other outside lending institutions to obtain information and/or request documents. * Considerable knowledge of the job and the practical application to problems and situations ordinarily encountered. *WHAT'S IN IT FOR YOU?* *Compensation*Starting base salary: $50,000 - $60,000 per year. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions. *Benefits and Perks* At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including: * Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date * Generous 401(k) company matching contribution * Career Development through Tuition Reimbursement and other internal upskilling and training resources * Valued Time Away benefits including vacation, sick and volunteer time * Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs * Career Mobility support from a dedicated recruitment team * Colleague Resource Groups to support networking and community engagement Get a more detailed look at our [Benefits and Perks](https://careers.cnb.com/benefits). ABOUT US Since day one we've always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at [About Us](https://www.cnb.com/about-us.html). *INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT* City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law. It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability. *Represents basic qualifications for the position. To be considered for this position, you must at least meet the required qualifications. careers.cnb.com accepts applications on an ongoing basis, until filled.

City National Bank

Loan Officer Assistant - Retail

OTHER

FEED

Support escrow administration, including tracking, maintaining, and ensuring timely payment of homeowner's flood, and private mortgage insurance, as well as real estate taxes for all escrowed and non-escrowed residential mortgage and home equity loans, while also completing, interpreting, and effectively communicating periodic escrow analyses to members with questions or concerns. Manage the servicing of loan and investor participation accounts, including processing transactions, performing daily remittance, and completing monthly investor reporting for the Fannie Mae mortgage investor program and other portfolios, ensuring accurate tracking, and remittance to participants and investors.

General SummaryResponsible for executing all functions related to loan servicing, including onboarding, payoffs, disbursements, and ongoing loan maintenance. This role requires a comprehensive understanding of investor reporting, participation accounting, and Fannie Mae processing to ensure accuracy, compliance, and operational efficiency. This role is responsible to review and interpret escrow analyses to identify discrepancies and errors, ensuring accuracy in escrow account management. In addition to managing all aspects of loan servicing, the role includes cross-training in title operations to develop proficiency across related functional areas. This ensures a comprehensive understanding of the end-to-end loan lifecycle and supports operational flexibility. Essential FunctionsThe essential functions of this position ensure a wide range of support to the Loan Operations department as its primary focus while title administration duties are performed as a secondary responsibility. Tasks may include, but are not limited to:Loan Operations Support (Primary Focus):<ul><li>Perform loan onboarding and process payments and payoffs, disbursements, payment corrections, due date changes, and other maintenance tasks within the Credit Union's core system.</li></ul><ul><li style="background:#fafafa">Support escrow administration, including tracking, maintaining, and ensuring timely payment of homeowner's flood, and private mortgage insurance, as well as real estate taxes for all escrowed and non-escrowed residential mortgage and home equity loans, while also completing, interpreting, and effectively communicating periodic escrow analyses to members with questions or concerns</li><li style="background:#fafafa">Manage the servicing of loan and investor participation accounts, including processing transactions, performing daily remittance, and completing monthly investor reporting for the Fannie Mae mortgage investor program and other portfolios, ensuring accurate tracking, and remittance to participants and investors.</li><li style="background:#fafafa">Prepare and process applicable lien releases for consumer and mortgage loans upon satisfaction of debt, ensuring accuracy, timely execution and compliance with regulatory agencies.</li><li style="color:#010202">Administer GAP refund processing on early loan payoffs, including communicating with dealerships and GAP providers, calculating refund amounts, and ensuring timely disbursement of refunds to borrowers.</li><li style="color:#010202">Effectively research and resolve routine and complex member inquiries primarily on loan accounts as well as other general account information by using all methods of correspondence.</li><li style="color:#010202">Responsible for the recording and tracking of Uniform Commercial Code (UCC) filings related to non-titled collateral such as vehicles and manufactured homes as well as real estate fixture filings when applicable.</li><li>Prepare and distribute periodic reports by gathering, categorizing and summarizing data related to loan and title servicing.</li><li>Process daily loan payment reversals as needed for payments made via ACH and third party payment systems, ensuring proper corrections and maintaining accurate loan records.</li><li>Work in conjunction with the AVP of Loan Operations to compile and report the quarterly Call Report loan data, maintaining a complex Member Business Loan (MBL) spreadsheet to ensure data integrity and regulatory compliance.</li><li style="color:#010202">Perform loan audit review on newly on-boarded loans as well as gather applicable loan files routinely requested by internal and external auditors.</li></ul> Title Administration (Secondary Focus):<ul><li style="color:#010202">Provide support in all title administration responsibilities by monitoring the receipt, recording, and release of vehicle and mobile home titles and other lien filings, which will include daily interaction with members, dealers and insurance companies as applicable. </li><li style="color:#010202">Share responsibility for handling title-related inquiries from members, dealers, and insurance companies, working closely with other team members to ensure consistent and compliant service.</li><li style="color:#010202">Research and assist in resolving processing errors on uncollected titles through all forms of communication with dealers, motor vehicle agencies, and others as needed.</li></ul>Additional Responsibilities:<ul><li>Contribute to the development and continuous improvement of departmental procedures.</li><li>Assist in the training of new hires as needed as well as cross-train in other areas to provide backup support during high-volume periods or absences.</li><li>Responsible for complying with the Credit Union's information security policies, procedures and standards. This includes safeguarding member information, participating in required security awareness training, and reporting any suspected security incidents or vulnerabilities.</li><li>Maintain compliance with all applicable regulations and internal policies.</li><li>Demonstrate Greenwood Credit Union's core values and uphold a professional and respectful work environment.</li></ul> QualificationsTo perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the qualifications required of the position: Education and Experience<ul><li>High school diploma or equivalent; Associates degree in business, finance or accounting preferred</li><li style="line-height:115%;background:white">Minimum two (2) years of consumer and/or mortgage loan servicing experience preferred</li><li style="line-height:115%;background:white">Minimum two (2) years of experience in financial services industry and banking operations preferred</li></ul>Knowledge<ul><li style="background:white">Working knowledge of mortgage and consumer loan terminology and regulations preferred</li><li>Fluent in English; Bilingual a plus</li><li>Thorough knowledge of laws and regulations governing credit union operations as applicable to position</li><li>Knowledge of and adherence to proper telephone and email etiquette </li></ul> Skills<ul><li>Accurate data entry and strong technical and mathematical skills</li><li>Demonstrated proficiency in basic computer applications, including Microsoft Office and internet navigation</li><li>Exceptional interpersonal, verbal and written communication and phone skills</li><li>Developed organizational and time management skills </li><li>Strong critical thinking, problem solving, and reasoning skills</li></ul> Abilities<ul><li>Self-motivated and capable of working efficiently and with accuracy in a dynamic, high volume environment with established productivity goals</li><li>Must be adaptable to various competing demands and meet deadlines in a fast paced environment</li><li>Strong attention to detail with ability to audit, identify and correct procedural errors</li></ul> Other<ul><li style="line-height:normal">Dependability and flexibility with work hours and work assignments</li><li style="line-height:normal">Ability to work a minimum of forty (40) hours per week and overtime, as needed</li><li>Commitment to team environment, member confidentiality and outstanding member service</li><li>High degree of professionalism with positive and professional image and demeanor</li><li style="line-height:normal">Consent to conduct pre and active employment background screenings</li></ul> Physical DemandsThe physical demands listed below are a representation of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made upon request to enable individuals with disabilities to perform the essential functions of the position.While performing the duties of this job, the employee is regularly required to: <ul><li>Speak, hear, sit, stand, walk, climb stairs, reach and grasp with hands and arms, use hands to handle or feel objects, tools or controls, occasionally lift and/or move up to 25 pounds. Specific vision abilities include those required to use computers for up to 8 hours a day. </li></ul> A full analysis of physical and mental demands is available upon request to the Human Resources Department. Work EnvironmentThe position is located in an office environment. The noise level in the work environment is usually low to moderate. EEO Statement Greenwood Credit Union is an Equal Opportunity/Affirmative Action Employer and therefore provides equal employment and advancement opportunities to all employees and applicants for employment without regard to race, color, ethnicity, religion, gender, pregnancy/childbirth, age, national origin, sexual orientation, gender identity or expression, disability or perceived disability, genetic information, citizenship, veteran or military status, marital or domestic partner status, or any other category protected by federal, state and/or local laws.DisclaimerThe information on this job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as an exhaustive inventory of all duties, responsibilities and qualifications required of employees assigned to this job. All duties and responsibilities are essential functions and requirements and are subject to possible modification to reasonably accommodate individuals with disabilities. To perform this job successfully, the incumbents will possess the skills, aptitudes, and abilities to perform each duty proficiently. Some requirements may exclude individuals who pose a direct threat or significant risk to the health or safety of themselves or others. The requirements listed in this document are the minimum levels of knowledge, skills, or abilities. This document does not create an employment contract, implied or otherwise, other than an "at will" relationship. Job Posted by ApplicantPro

Greenwood Credit Union

Loan Operations Specialist – Loan Servicing

Accounting

Administrative Skills

Analysis Skills

Auditing

Banking Operations

Business Loans

Communication Skills

Computer Security

Computer Skills

Consumer Loans

Continuous Improvement

Credit Union

Data Entry

Data Quality

Detail Oriented

Disbursements

English Language

Escrow

External Audit

Fannie Mae (FNMA)

Finance

Financial Reporting

Financial Services

Genetics

High School Diploma

Home Equity Loans

Home Liens

Information/Data Security (InfoSec)

Insurance

Internal Audit

Interpersonal Skills

Liens

Lift/Move 25 Pounds

Loan Operations

Loan Payoffs

Loan Processing

Loan Regulations

Loan Review

Loan Servicing

Loans

Maintain Compliance

Mathematics

Microsoft Office

Military

Mortgage

Mortgage Insurance

Mortgage Lending

Mortgage Servicing

Multilingual

Onboarding

Operational Support

Operations Management

Organizational Development/Management

Payment Processing

Physical Demands

Presentation/Verbal Skills

Problem Solving Skills

Procedure Development

Property Tax

Real Estate

Record Keeping

Regulations

Regulatory Compliance

Residential Mortgages

Risk

Safety/Work Safety

Sales Management

Set Goals

Spreadsheets

State Laws and Regulations

Team Player

Telephone Skills

Third-Party Payer

Time Management

Transaction Processing/Management

Writing Skills

Talent Acquisition

The Mortgage Processor/Closer’s primary duties consist of interacting with applicants, attorneys and underwriters to process loan documentation, including: disclosures and commitment letters, calculating debt position and loan to value, preparing loan closing documents and performing post-closing review in accordance with FNMA/FHLMC guidelines. Ability to read, analyze, and interpret financial reports, procedures, legal documents and external regulations; Intermediate math skills (adding, subtracting, multiplying, dividing, percentages, proportions, fractions, interest) are required.

Think of us as a 100-year-old startup. As one of the oldest and most highly capitalized credit unions in the U.S., Liberty Bay Credit Union is arguably the best-kept secret in the financial space. We combine a century of New England stability with a fresh, high-energy purpose: to fuel the earning potential and personal ambitions of our hardworking members. We believe that advocacy, expertise, and honest guidance should be accessible to everyone. Based in Braintree, we are a member-owned, non-profit cooperative dedicated to providing world-class financial services to individuals and business members.Our mortgage lending department is responsible for originating, processing, underwriting, and servicing mortgage loans. The Mortgage Processor/Closer’s primary duties consist of interacting with applicants, attorneys and underwriters to process loan documentation, including: disclosures and commitment letters, calculating debt position and loan to value, preparing loan closing documents and performing post-closing review in accordance with FNMA/FHLMC guidelines. Responsibilities<ul><li>Process loans from origination to close in compliance with established regulations and guidelines.</li><li>Assist members with the loan application process and promote the Credit Union’s products.  </li><li>Provide administrative assistance to the loan originator and staff</li><li>Calculate closing costs, including mortgage insurance and escrow accounts, and provide a loan estimate for closing costs to the member.  Interact with attorneys on loan closings by providing necessary information, coordinate disbursements, make arrangements for loan closings, and verify all documentation.</li><li>Order and verify credit report, flood, real estate appraisal and title work to ensure proper guidelines are followed.</li><li>Ensure all loan notifications, commitment letters, disclosures and re-disclosures are complete, accurate and distributed to applicants as required. Ensure all conditions are met prior to closing.</li><li>Maintains a closing and funding schedule to ensure all transactions are properly disbursed in accordance with established timeframes.</li><li>Maintains up-to-date knowledge of all applicable LBCU, Secondary Market, State and federal laws, regulations, policies, procedures and guidelines.</li><li>Have a sense of urgency and professionalism in all aspects of the position.</li></ul>Requirements<ul><li>A minimum of  3-years experience in a mortgage processing and/or servicing environment (or equivalent) </li></ul><ul><li>An Associate’s Degree in Business Administration, Accounting, (or equivalent education/experience)</li><li>Proficiency with computer software applications is required</li><li>Professional, well-developed interpersonal and communication skills are essential. </li><li>Ability to respond professionally to varied inquiries from members; ability to influence subordinates; and ability to effectively communicate and present information to a wide range of audiences including senior management. </li><li>Thorough knowledge of all credit union products, services, and procedures; external State and Federal rules and regulations for lending and credit. </li><li>Ability to read, analyze, and interpret financial reports, procedures, legal documents and external regulations;    </li><li>Intermediate math skills (adding, subtracting, multiplying, dividing, percentages, proportions, fractions, interest) are required.</li></ul>BenefitsWe offer an extremely generous benefits package:<ul><li>Health care plan (Employer paid)</li><li>Retirement plan (401k)</li><li>Life Insurance</li><li>Paid Time Off (vacation, sick, holidays)</li><li>Family Leave (maternity, paternity)</li><li>Short Term & Long Term Disability</li><li>Training & Development</li><li>Wellness Resources</li></ul>

Liberty Bay Credit Union

Mortgage Processor and Closer

Business Administration

Closing Costs

Cost Estimates

Credit Reports

Documentation

Federal Laws and Regulations

Financial Analysis

Financial Procedures

Funding

Legal Documents

Loan Closing

Loan Origination

Nonprofit

Property Title

Real Estate Appraisals

Sales Closing Skills

Secondary Markets

Workable

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Loan Officer Assistant - RetailCity National Bank

Loan Operations Specialist – Loan ServicingGreenwood Credit Union

Mortgage Processor and CloserLiberty Bay Credit Union

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