CNB Bank, Residential Loan Processor (Home Equity)

Description

In this position, the processor handles loan documents for real estate loans and assists the underwriters, lenders, appraisers and closing team to finalize an accommodate, a timely and complete loan.

Below is a list of essential functions of this position. Additional responsibilities may be assigned in the position.

KEY RESPONSIBILITIES

• Prepare and supervise documents for all Home Equity loans
• Coordinate with underwriters and closing Team to ensure a timely loan process
• Ensure loan files are complete, accurate, and meet all regulatory and internal requirements
• Tracks undisclosed loans to stay in compliance

ATTITUDES

Builds positive relationships with internal and external clients by valuing other's feelings and rights in both words and actions, and embracing other's unique beliefs, backgrounds, and perspectives by demonstrating:

• Respect- Speak to others with kindness, empathy, and fairness
• Client Focus- Deliver consistent, high-quality service that builds trust and loyalty
• Inclusion -Encourage diverse viewpoints and contributions in decision-making collaboration

BEHAVIORS

Demonstrates strong business ethics and honest behaviors and the ability to positively influence and work with others to achieve excellent results by demonstrating:

• Leadership: Demonstrate the ability to positively influence others to achieve
• Integrity: Strong business ethics and honest behavior
• Collaboration: Positively works well with others to produce excellent results
• Volunteerism: A recognized and visible presence in serving our communities

COMPETENCIES

Reflects skill, good judgement, positive conduct, and personal responsibility for assigned areas. Seeks to implement and leverage services and technologies that create efficiencies by demonstrating:

• Accountability- Personal responsibility for assigned areas and actions
• Innovation- Reflects skill, good judgment, and positive conduct
• Professionalism- Ensure documentation prepared is accurate and correct

SUPERVISORY RESPONSIBILITIES (if applicable)

Supervisor drives strategic success from encouraging transparency, maintaining a focus on shared organizational goals, and making time for professional development. Supervisors are expected to hold regular one-on-ones with direct reports to provide them with an invaluable chance to align goals, offer guidance, and foster growth within their teams.

POSITION LEVEL I EXPECTATIONS

• To support the loan application process by ensuring all necessary documentation is completed for underwriting.
• Coordinate with loan officers and underwriters to obtain missing information or clarify discrepancies
• Organize and prepare loan files for underwriting
• Finalize the loan process by preparing closing documents and ensuring all conditions are met for disbursement

POSITION LEVEL II EXPECTATIONS

• The position requires the fulfillment of all Level I expectations
• Monitor multiple loans simultaneously, ensuring deadlines are met and files progress efficiently
• Be a dependable resource whom others can confidently turn to for guidance and answers
• Resolve any issues such as missing documents and mortgage filing for audits
• Strong understanding of loan regulations
• Track loan status, deadlines and proactively resolve issues that could delay processing within compliance
• Support and train Jr processors/Closers/Funders

POSITION LEVEL III EXPECTATIONS

• This Position requires the fulfilment of all level II expectations
• Organize and update training material
• Troubleshoot & test loans with in UAT environment
• Provide support to home equity Team Leader

SEEKS PROFESSIONAL DEVELOPMENT OPPORTUNITIES

Actively participate in expanding skill sets and career paths by attending training programs, workshops, certifications, and educational resources relevant to the role. Set stretch assignments and cross functional opportunities that foster growth and learning

Requirements

QUALIFICATIONS, EDUCATION, & EXPERIENCE

To perform this position successfully, an individual must be able to perform each essential position requirement satisfactorily and a skills inventory is listed below. A high school diploma or general education degree (GED) is required. Secondary education with related experience preferred. A background screening will be conducted.

Position level will be commensurate with knowledge, experience and education.

• LANGUAGE SKILLS: Ability to read, comprehend, and interpret documents. Possesses professional communication and interpersonal skills to write and speak effectively both one-on-one and before groups of clients or employees of the organization. Ability to communicate with clients directly and effectively.
• TECHNOLOGY SKILLS: Ability to utilize telephone systems and possess good digital literacy including email, internet and intranet use. Prior experience or the ability to learn core transaction system, Empower, statement processing system, and any other computer programs pertinent to performing job duties.
• MATHEMATICAL SKILLS: Ability to add, subtract, multiply, and divide in all units of measure. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.
• REASONING ABILITY: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to solve challenging problems involving several variables in a standardized situation.
• PHYSICAL DEMANDS AND WORK ENVIRONMENT: The physical demands and work environment described here are representative of those that must be met by an employee to successfully perform the essential functions of this position.

This position operates professionally in an office environment with considerable time spent at a desk using office equipment such as computers, phones, and printers. Noise level is moderate with constant communication and interactions with others. Ability to travel on occasion to all market areas and attend seminars or training sessions offsite.

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

DISCLAIMER: This job description is not an exclusive list of responsibilities and duties. They may change at any time without notice.

BENEFITS

• Medical, Dental, Vision & Life Insurance
• 401K with company match
• Paid Time Off & Recognized Holidays
• Leave policies
• Voluntary Benefit Options (Life, Accident, Critical Illness, Hospital Indemnity & Pet)
• Employee Assistance Program
• Employee Health & Wellness Program
• Special Loan and Deposit Rates
• Gradifi Student Loan Paydown Plan
• Rewards & Recognition Programs and much more!

Eligibility requirements apply.

CNB Bank is an equal opportunity employer and all applicants are considered based on qualifications without regard to sex, race, color, ancestry, religious creed, national origin, sexual orientation, gender identity, physical disability, mental disability, age, marital status, disabled veteran or Vietnam era veteran status. CNB Financial Corporation is an Affirmative Action Employer and is committed to fostering, cultivating and preserving a culture of diversity and inclusion.

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