Loan processor jobs in Oklahoma - 80 jobs

Position Type: Full-Time, Hourly Non-Exempt Department: Mortgage Operations Reports To: Mortgage Processing Manager Salary Range: $26.44-$36.05 per hour JOB SUMMARY: Responsible for performing initial appraisal of potential borrowers by thoroughly examining their applications; assessing the credit standings of applicants through background research; and interviewing applicants to evaluate their eligibility for loan or mortgage. ESSENTIAL FUNCTIONS: Identify customer needs, explore all options, and suggest different types of loans. Review files for completeness and accuracy. Verify accuracy of system input. Analyze file for program applicability. Review necessary documentation, such as income and asset documentation, credit report, verifications, appraisal report, preliminary title report, etc. Follow up with clients to request additional documents as needed or to clarify important points. Provide status updates to loan officers, borrowers, and agents. Remain up to speed regarding lending and other financial services. Coordinate all aspects of submission to underwriting, documentation requests and satisfaction of closing/funding conditions. Coordinate closings as needed. Submit files in a timely manner in accordance with company standards. Review pre-audit HUD-1 to ensure accuracy. Work with loan officer and title companies to resolve any discrepancies prior to closing. Prioritize workflow to ensure time sensitive files are handled in proper order. Assure compliance with all regulatory and governmental standards, guidelines, rules and regulations with all regulatory authorities, federal or state ordinances and administrative regulations and statues. Forge trust relationship and enhance customer dedication. Ensures confidentiality of bank and customer information. Performs other duties as assigned. Requirements Preferred Skills: Preferably 5 years or more processing conventional, VA and FHA loans. Encompass experience preferred. Requirements: Post TRID knowledge required. Comprehension of direct/indirect lending procedures. In-depth understanding of relevant rules and regulations. Strong organization skills and detail oriented. Excellent communication and sales skills. Equal Opportunity Statement: Texana Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, age, disability, veteran status, or any other protected status under applicable law. Texana Bank Mortgage 1680 Keller Parkway Keller, Texas 76248

Job Title: Loan Operations Specialist Reports to: Coalgate Loan Department FLSA Status: Non-Exempt Participate in and support the Bank's loan processing functions. Process consumer and commercial loans Knowledge, Skills and Abilities Preferred Loan processing experience Familiarity with loan compliance and documentation requirements Knowledge, Skills and Abilities Required Good verbal and written communication skills Strong Organizational and time management skills Demonstrates dependability through good attendance and adherence to timelines and schedules Strong attention to detail Proficient typing skills Working Conditions: Normal office environment located in Coalgate, OK NOTE: The above statements are intended to describe the general nature and level of work performed by an employee in this position. These statements are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of employees in this position. Shamrock Bank, N.A. is an Equal Opportunity Employer M/F/D/V.

Loan Processor - Part Time (20 to 25 hours per week) Applying his/her experience, the successful candidate will assist members with their loan requests and questions while providing clerical and administrative support to loan officers as needed to process and close member loans. Compliance with the Bank Secrecy Act, OFAC and USA PATRIOT Act including Customer Identification Program, monitoring for and reporting suspicious activities to Supervisor or Compliance Officer. ESSENTIAL DUTIES AND RESPONSIBILITIES: Helps process loans including opening accounts and loan auditing, while assisting members in the lobby or over the phone. Files securing documents with the Oklahoma Tax Commission and other appropriate agencies, and processes lien releases in a timely manner. Acts as a liaison between Courtesy Insurance Agency and the member who is making a claim using purchased GAP insurance . Prepares and mails first payment letters, denial letters, and other correspondence to applicants/members. Maintains loan vault by scanning and indexing loan documents and performs file maintenance by recovering any missing, required documents and maintain list of exceptions to loan policy. Performs other related duties as assigned. PERFORMANCE MEASUREMENTS: Process loan documents, reports, and new accounts in a timely fashion, with zero unresolved errors. Accurately prepare file for underwriting within 2 days of receipt. Accurately close, organize and complete member loan files within the day of receipt. Provide friendly, accurate, professional service to members and associates by responding to messages and correspondence within a timely manner. Meet or exceed the minimum established individual goals each month. Troubleshoot and resolve member and internal inquires in a timely and accurate manner. KNOWLEDGE/SKILLS/ABILITIES: Fast paced with attention to detail and ability to manage multiple tasks. Work involves much personal contact with others inside and/or outside the organization for the purpose of first level conflict resolution, building relationships and soliciting cooperation. Discussions involve a high degree of confidentiality and discretion, requiring diplomacy and tact in communication. Must have good communication skills. Ten key calculator, typewriter, keyboard skills, and knowledge of Microsoft Office required. Must be able to lift up to 30 pounds and walk frequently throughout the day. Qualifications QUALIFICATIONS: One month to twelve months of similar or related experience. Some college or technical degree in related fields is preferred. This job posting is not a complete statement of all duties and responsibilities comprising the position.

Job DescriptionDescription: is on-site in OKC, OK. The Housing Stability Program Loan Processor works directly with applicants and awardees to collect information needed to complete closing checklists, prepare loan documents, and guide borrowers through the closing process. ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned. Program Duties and Responsibilities: Manage and organize loan files from application to closing. Collect proper documentation from all interested parties to ensure files meet regulatory and underwriting requirements. Coordinate, prepare, and compile all necessary documentation to ensure accurate and timely loan closings. Request title work, appraisals, and other third-party reports from outside vendors. Schedule internal and external loan closings and signings. Maintain documents within the electronic filing system. Assemble and prepare lien releases as necessary. Assist in the review and preparation of various program reports. Effectively communicate with all parties including awardees, co-workers, title companies, and all other department personnel via email, phone and in person communication. Manage real estate documentation, underwriting policies, and compliance procedures. Provide program information, training, and technical assistance to interested parties. Requirements: EDUCATION and/or EXPERIENCE High School Diploma or equivalent and 2 years of mortgage processing experience Preference may be given to candidates who possess the following: Bachelor's degree in Business, Finance, Real estate, or Business Management Previous experience with escrow-related or mortgage processing Experience with multiple loan types (FHA, VA, USDA, Conventional) Experience with loan origination systems (LOS) CERTIFICATES, LICENSES, REGISTRATIONS Must possess and maintain valid driver license Must be eligible for bonding OTHER KNOWLEDGE, SKILLS AND ABILITIES Ability to understand, act on, and interpret policies, regulations and procedures as set forth by the State of Oklahoma, OHFA, HUD, IRS, or other entities governing this program. Ability to establish and maintain effective working relationships with co-workers, vendors, consultants, contractors, HUD, and local, State, and federal officials.

Summary & Purpose: While projecting a professional image; interact with customers to respond to inquiries and resolve issues. Prepare loan documentation in accordance with underwriting guidelines and policies. Maintain compliance with applicable laws and regulations. Essential Duties and Responsibilities: Ensure that customers are assisted promptly, primarily by telephone or electronically and by meeting or exceeding Bank principles as identified in the SMILE program. Meet accuracy, timeliness, and correctness standards as required. Enter loan information into the database or log. Coordinate special documents to cover unusual loan terms with legal requirements. Ensures all title issues are met and that loan is properly recorded. Update tracking systems and record variations to loan files. Collects and enters loan information to prepare documents. Other duties, as assigned. Qualifications: High School diploma or GED equivalent required Typically requires 1-2 years of related work experience and the knowledge, skills and ability to perform the essential requirements of the job. Possess and maintain a valid Drivers License. Physical Requirements: Long periods of standing or sitting, typing and repetitive motion Ability to lift and carry up to 25 lbs on occasion

Requirements Preferred Skills: Preferably 5 years or more processing conventional, VA and FHA loans. Encompass experience preferred. Requirements: Post TRID knowledge required. Comprehension of direct/indirect lending procedures. In-depth understanding of relevant rules and regulations. Strong organization skills and detail oriented. Excellent communication and sales skills. Equal Opportunity Statement: Texana Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, age, disability, veteran status, or any other protected status under applicable law. Texana Bank Mortgage 1680 Keller Parkway Keller, Texas 76248

Summary: This position is responsible for providing support and assistance to Consumer Real Estate Loan Officers throughout the loan origination process. Work locations preferred will be OKC or Fort. Worth/ Dallas. Essential Duties and Responsibilities include the following: (Other duties may be assigned) Create Initial disclosures to send to customers. Order appraisals, appraisal reviews, flood determinations and credit reports Create closing disclosures to send to customers. Review closing file to ensure all bank and regulatory required documents are in file. Qualifications Supervisory Responsibilities This job has no direct supervisory responsibilities. Education and/or Experience Minimum of high school diploma or general education degree (GED); College certificate is preferred but not required; at least 2-3 years of similar work experience. Basic knowledge of consumer real estate loan documents and regulatory requirements. Experience working in the Encompass software system is required. Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. The environment would be consistent with a typical business office with moderate noise, services open to the public and the ability to work in a confined area typically indoors. All employees are required to attend training as required by GPB, as well as support the overall compliance program by complying with all laws, policies and procedures. We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity, status as a veteran, and basis of disability or any other federal, state or location protected class.

Performance Objectives: Examines, evaluates, and authorizes or recommends approval of customer applications for residential real estate loans by performing the following duties. Knowledge, Skills and Abilities To perform the job successfully, an individual should demonstrate the following competencies: Analytical - Synthesizes complex or diverse information; Collects and researches data; Uses intuition and experience to complement data. Design - Generates creative solutions; Demonstrates attention to detail. Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Uses reason even when dealing with emotional topics. Technical Skills - Assesses own strengths and weaknesses; Pursues training and development opportunities; Strives to continuously build knowledge and skills; Shares expertise with others. Customer Service - Manages difficult or emotional customer situations; Responds promptly to customer needs; Solicits customer feedback to improve service; Responds to requests for service and assistance; Meets commitments. Interpersonal Skills - Focuses on solving conflict, not blaming; Maintains confidentiality; Listens to others without interrupting; Keeps emotions under control; Remains open to others' ideas and tries new things. Oral Communication - Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; Responds well to questions; Participates in meetings. Written Communication - Writes clearly and informatively; Presents numerical data effectively; Able to read and interpret written information. Teamwork - Balances team and individual responsibilities; Exhibits objectivity and openness to others' views; Gives and welcomes feedback; Contributes to building a positive team spirit; Puts success of team above own interests; Able to build morale and group commitments to goals and objectives; Supports everyone's efforts to succeed. Visionary Leadership - Displays passion and optimism; Inspires respect and trust; Mobilizes others to fulfill the vision; Provides vision and inspiration to peers and subordinates. Change Management - Develops workable implementation plans; Communicates changes effectively; Builds commitment and overcomes resistance; Prepares and supports those affected by change; Monitors transition and evaluates results. Leadership - Exhibits confidence in self and others; Accepts feedback from others; Gives appropriate recognition to others. Quality Management - Looks for ways to improve and promote quality; Demonstrates accuracy and thoroughness. Business Acumen - Understands business implications of decisions; Displays orientation to profitability; Demonstrates knowledge of market and competition; Aligns work with strategic goals. Cost Consciousness - Works within approved budget; Develops and implements cost saving measures; Contributes to profits and revenue; Conserves organizational resources. Ethics - Treats people with respect; Keeps commitments; Inspires the trust of others; Works with integrity and ethically; Upholds organizational values. Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values; Benefits organization through outside activities; Supports affirmative action and respects diversity. Strategic Thinking - Understands organization's strengths & weaknesses; Analyzes market and competition; Identifies external threats and opportunities; Adapts strategy to changing conditions. Judgement - Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions. Motivation - Sets and achieves challenging goals; Demonstrates persistence and overcomes obstacles; Measures self against standard of excellence; Takes calculated risks to accomplish goals. Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently; Plans for additional resources; Sets goals and objectives; Develops realistic action plans. Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position; Accepts responsibility for own actions; Follows through on commitments. Quality - Demonstrates accuracy and thoroughness; Looks for ways to improve and promote quality; Applies feedback to improve performance; Monitors own work to ensure quality. Quantity - Meets productivity standards; Completes work in timely manner; Strives to increase productivity; Works quickly. Safety and Security - Observes safety and security procedures; Determines appropriate action beyond guidelines; Reports potentially unsafe conditions; Uses equipment and materials properly. Attendance/Punctuality - Is consistently at work and on time; Ensures work responsibilities are covered when absent; Arrives at meetings and appointments on time. Dependability - Follows instructions, responds to management direction; Takes responsibility for own actions; Keeps commitments; Commits to long hours of work when necessary to reach goals.; Completes tasks on time or notifies appropriate person with an alternate plan. Initiative - Volunteers readily; Undertakes self-development activities; Seeks increased responsibilities; Takes independent actions and calculated risks; Looks for and takes advantage of opportunities; Asks for and offers help when needed. Innovation - Meets challenges with resourcefulness; Generates suggestions for improving work. Major Duties and Responsibilities Employee's primary duty shall be to sell the loan products offered by Citywide Mortgage. The employee acknowledges that in performing his/her primary duty, he/she shall, during each work week, be customarily engaged away from the company's office. The employee will spend a majority of work time each week away from company's office. Employee will meet and call on clients, referral sources, realtors, and business prospects at their place of employment or in other social settings away from any Company office. The employee will develop and maintain their own referral network including realtors, new home sales consultants and other referral sources. Citywide Mortgage will support approved marketing efforts which may include outside training, meetings and luncheons. Interviews applicants and requests specified information for the loan application. Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan or submits application to underwriting for verification and recommendation. Corresponds with or interviews applicant to resolve questions regarding application information. Compiles loan package and facilitates negotiation with applicant according to establishment standards, such as fees, loan repayment options, and other credit terms. May issue loan commitment within specified limits following preliminary underwriting approval. Ensures loan agreements are complete and accurate according to policy. Works with Team to assure timely loan closings. Identifies and analyzes potential loan markets to develop prospects for residential real estate loans. Advises loan manager of external factors that may affect establishment lending policies, such as new or revised legislation and regulations. Recommends and implements appropriate changes to establishment policies and procedures. Promotes and cross-sells other establishment products and services as appropriate to customer requirements. Provides loan data to support marketing and sales promotion programs. Assists customers with inquiries and information requests, and resolves complaints relating to loan products and services offered. Other duties may be assigned. Supervisory Responsibilities This job has no supervisory responsibilities. Qualifications Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education and/or Experience Must have NMLS License and a one year certificate from college or technical school; or three to six months related experience and/or training; or equivalent combination of education and experience. Language Skills Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of organization. Mathematical Skills Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry. Reasoning Ability Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form. Computer Skills To perform this job successfully, an individual should have knowledge of Internet software; Spreadsheet software and Word Processing software. Certificates, Licenses, Registrations Current driver's license, good driving record, background and fingerprinting checks, Federal and State Licenses (may be obtained after hiring). Other Qualifications Must have good interpersonal skills. Must be willing to drive 60-80% of time (no overnight required). Days/Hours Monday through Friday; 8:00 a.m. to 5:00 p.m. Some evenings and weekends will be required. FLSA Status Exempt Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this Job, the employee is regularly required to talk or hear. The employee is frequently required to sit and use hands to handle or feel. The employee is occasionally required to stand; walk and reach with hands and arms. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision and peripheral vision. Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this Job, the employee is frequently exposed to outside weather conditions. The noise level in the work environment is usually moderate.

Job Title: Loan Specialist Type: Direct Hire Compensation: $70000 - $80000 annually Contractor Work Model: Onsite Loan Specialist System One has partnered with a local bank that is seeking a detail-oriented and dedicated Loan Specialist to join their team and contribute to their mission of delivering exemplary customer service and support. Position Summary: The Loan Specialist is responsible for overseeing the entire loan filing process from start to finish. This involves obtaining crucial financial documentation, ensuring compliance with all relevant laws, and providing high-quality administrative support to our Loan Officers. The ideal candidate will have a keen eye for detail, exceptional organizational skills, and a commitment to delivering outstanding customer service to both new and existing loan customers. Key Responsibilities: + Comprehensive Loan Filing Process: + Gather and verify all necessary financial information and pull credit reports to assist in loan processing. + Research existing loan documentation to facilitate accurate record-keeping. + Order appraisals, title work, and flood certifications as required. + Collect any additional information necessary to thoroughly document loan files. + Document Review and Compliance: + Review all loan documents meticulously to ensure completeness and compliance with bank policies as well as federal and state regulations. + Analyze entity documents, title works, deeds, HUD statements, mortgages, and other supporting documentation to confirm the accuracy of lien positions. + Administrative Support: + Provide comprehensive administrative assistance to Loan Officers, including composing and preparing customer correspondence, receipts, and transmittals. + Manage and execute loan advances and oversee third-party payments in a timely manner. + Coordination and Communication: + Liaise between customers, Loan Officers, and third-party service providers to ensure a seamless closing process. + Set realistic closing dates and ensure that all loan documents are properly endorsed. + Verify the adequacy and accuracy of all final third-party materials before closing. + Final Review and Disbursement: + Conduct thorough checks of all loan and closing documents for accuracy before finalizing with loan operations. + Ensure proper disbursal of loan proceeds in accordance with established protocols. + Customer Service: + Deliver exemplary customer service by responding promptly and accurately to inquiries from new and existing loan customers. + Work collaboratively with loan operations and other departments to resolve compliance issues, addressing and clearing any loan documentation exceptions as needed. Qualifications: + Bachelor's degree in finance, business administration, or a related field preferred. + Proven experience in mortgage lending, loan processing, or a related financial service role is highly desirable. + Strong understanding of loan documentation, compliance regulations, and the loan processing cycle. + Exceptional analytical and problem-solving skills with a keen attention to detail. + Excellent communication and interpersonal skills, capable of building rapport with customers and colleagues. + Proficient in Microsoft Office Suite and loan processing software; familiarity with Laser Pro is a plus. + Ability to manage multiple tasks and meet deadlines in a fast-paced environment. System One, and its subsidiaries including Joulé, ALTA IT Services, and Mountain Ltd., are leaders in delivering outsourced services and workforce solutions across North America. We help clients get work done more efficiently and economically, without compromising quality. System One not only serves as a valued partner for our clients, but we offer eligible employees health and welfare benefits coverage options including medical, dental, vision, spending accounts, life insurance, voluntary plans, as well as participation in a 401(k) plan. System One is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, age, national origin, disability, family care or medical leave status, genetic information, veteran status, marital status, or any other characteristic protected by applicable federal, state, or local law. #M- #LI- #DI- Ref: #208-Rowland Tulsa System One, and its subsidiaries including Joulé, ALTA IT Services, CM Access, TPGS, and MOUNTAIN, LTD., are leaders in delivering workforce solutions and integrated services across North America. We help clients get work done more efficiently and economically, without compromising quality. System One not only serves as a valued partner for our clients, but we offer eligible full-time employees health and welfare benefits coverage options including medical, dental, vision, spending accounts, life insurance, voluntary plans, as well as participation in a 401(k) plan. System One is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, age, national origin, disability, family care or medical leave status, genetic information, veteran status, marital status, or any other characteristic protected by applicable federal, state, or local law.

The Processor is responsible for verifying and completing financial information in mortgage applications to ensure compliance with state and federal regulatory guidelines Mortgage Processor ESSENTIAL FUNCTIONS (RESPONSIBILITIES): * Compiles and reviews financial information and documents for mortgage applications and confirms compliance with underwriting guidelines. * Reviews financial information and documents for accuracy and completeness and calculates income and reviews assets and liabilities to ensure compliance with guidelines. * Provides mortgage application information requirements to the necessary parties. * Maintains a pipeline of loan files in various stages of processing as designated by management and ensures customer service standards are met. * Maintains and updates loan application information within the LOS system. * Prepares and Issues forms required for regulatory compliance. * Exercises awareness with regard to possible suspicious activity, money laundering or fraudulent behavior and reports any such incidents to the BSA department. Performs all job functions in compliance with all company policies and federal, state, and local laws and regulations as applicable to the position, including, but not limited to BSA/AML, OFAC and GLBA/privacy rules. * Performs related responsibilities as required or assigned.

ABOUT US: Oklahoma's Credit Union has been happy to help Oklahomans for over 60 years. From the beginning, OKCU has sought to keep people economically independent by helping them learn to save and borrow responsibly. We have over half of a billion dollars in assets and employ over 135 people. OKCU offers branch access at over 91 locations across Oklahoma and over 5,000 locations nationwide. We serve over 46,000 people who enjoy benefits such as low or no fees on services, higher rates on deposits, and low rates on home or auto loans. At OKCU, we are happy to guide you through a comprehensive training program to find a career path that works for you. Experience a robust benefits package and have a little fun along the way. ABOUT YOU: You really care about helping people in your community. You are always thinking of ways to make your job or life easier. You are the kind of person who likes to be held accountable, you don't want to leave anyone hanging! You love helping people do more with their money. You enjoy a happy place to work. Join a community that puts people first, not profits. Want to learn more about who we are and what we're about? Take a look at what's important to us and hopefully it's important to you, too. VISIT: okcu.org facebook.com/OklahomasCU instagram.com/oklahomascreditunion linkedin.com/company/oklahomascu twitter.com/OklahomasCU youtube.com/user/MyOECU This position is located at our Capitol Branch, 3001 N Lincoln Blvd, OKC 73105. ESSENTIAL FUNCTIONS: Provide outstanding service and contribute to overall team effort. Fully understand and actively assist members in using credit union products and services. Occasionally interview applicants to obtain personal and financial data and assist with completion of loan applications. Keep records or files of credit transactions, inquiries, pending loans, loan activity reports and daily loan listings. Provide assistance with filing, entering data, recording information, answering phones, copying, faxing, sending letters and general office duties. Support and assist the loan officers with applications, booking and completion of loans. Assist with onboarding and welcoming of new members, showing appreciation for their business. Create procedures that help streamline processes for our members and loan officers. Provide assistance to the Phone Center when needed. Communicate with members on disclosing loans, making appointments to close loans, walking them through the electronic signature process, etc. Ensure all items are completed before booking loans. Process lien entries and releases, filing of out-of-state titles and claims for GAP insurance. Assist with all loan maintenance, payment adjustments, skip a pays and automatic payments. Respond to audit exceptions for loan processing or lending staff. Ensure confidentiality regarding member transactions and information. Ensure compliance with all credit union policies and procedures. EDUCATION AND EXPERIENCE: Customer service experience Multi-Lingual Capabilities in Spanish preferred BENEFITS FOR FULL-TIME EMPLOYEES: Employee medical coverage 90% paid by OKCU Employee dental, vision and life insurance paid by OKCU Tuition reimbursement program BENEFITS FOR ALL ELIGIBLE EMPLOYEES: 401(k) contribution of 3%, plus additional profit-sharing match of up to 4% Volunteer opportunities to serve the community Gym membership reimbursement Comprehensive training opportunities And much more! Oklahoma's Credit Union is an EEO/AAP employer.

About Us SolomonEdwardsGroup, LLC ("SolomonEdwards") is a full-service professional services firm offering financial, operational, and technology consulting and operations support. We work with some of the world's most prominent companies to help them envision and achieve a better future. We know that our consulting services are only as meaningful as the people and talent behind them, and we are committed to recruiting incredibly talented, committed, collaborative individuals who can help us deliver exceptional client service. For more information, visit SolomonEdwards Position Summary: SolomonEdwards is looking for a Home Loan Specialist II for one of its mortgage clients to perform daily loan reviews to ensure the accuracy of loan findings. You will act as a key contributor to facilitate efficient and effective processes that support business and customer service objectives. Position Locations: Phoenix, AZ Tampa, FL St. Louis, MO Plano, TX Essential Duties: - Perform complex data and document validation. - Troubleshoot third-party orders (title, appraisal, hazard, flood cert, credit, etc.). - Handle more complex calls, emails, or chat sessions. - Complete appraisal eligibility tasks. - Evaluate loan applications for compliance with product guidelines. - Perform other related duties as required and assigned. - Demonstrate behaviors that are aligned with the organization's desired culture and values. Qualifications: - Associate's degree or equivalent work experience. - Proficiency in Microsoft Office. - Financial Services and, if possible, mortgage industry experience preferred. - General understanding of applicable Federal, State, and Local Regulations. Travel Requirements: No travel will be required, unless at the client's discretion. Physical Requirements: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be provided to qualified applicants or candidates with disabilities upon request to enable them to perform essential functions. This role may require mobility to attend in-person meetings, sitting or standing for extended periods, and the use of telephone, computer, or other electronic communication devices. Salary Range: SolomonEdwards values your unique and individual experience and background. As such, we take a comprehensive approach when determining compensation for our roles. The compensation for this specific role is based on a wide range of factors, including but not limited to, education, licensure and certifications, location, experience, and training. A reasonable estimate for the current hourly range for this role is $20-24. Benefits: We are committed to providing health and financial stability by offering a comprehensive suite of benefits. Benefits include access to top-tier employers and job opportunities, health insurance, sick leave, and 401(k). Inclusion and Diversity Statement: SolomonEdwards is an Equal Opportunity/Affirmative Action employer. We firmly believe in fostering an inclusive and diverse workplace environment. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, gender identity, sexual orientation, veteran status, or any other characteristic protected by applicable laws. All employees, including managers and supervisors, are responsible for upholding our EEO and diversity principles. Discrimination or harassment of any kind will not be tolerated. We value the contribution and wisdom of the team. At SolomonEdwards, we have built a vibrant and inclusive community. Our team members are curious, committed, and diverse. In keeping with our mission to build value through people, we cultivate a culture where differences are celebrated, and all members are treated fairly and equitably. Employees, business partners, and our extended stakeholder family are empowered to share their experiences, ideas, and perspectives; and to be their whole selves. Privacy: We adhere to the California Consumer Privacy Act (CCPA). Your privacy is important to us, and we never sell your data to third parties. Personal information is only collected to match applicants with job opportunities. Copy/paste this URL to learn more about your rights: SolomonEdwards' Privacy Policy. Our Recruiter Promise: Our talent acquisition team prioritizes integrity, professionalism, and transparency in every interaction. When you engage with SolomonEdwards, you can trust a respectful, secure experience from verified contacts. Copy/paste this URL to learn more about how we protect your candidate experience: Recruiter Promise. Job Ref: 141859 ### Place of Work On-site ### Requisition ID 141859 ### Application Email ****************************

Under the direction of the Branch and/or Production Manager, markets and promotes PrimeLending products and services to its client base of realtors, builders, bank officers and potential and past clients. Performs office or non-manual work directly related to the management or general business operations of PrimeLending and its customers. High school diploma or equivalent and appropriate licenses as required by state. Valid driver's license and current automobile liability insurance. A minimum of 12 months loan originator experience required. Interacts with regional & corporate departments, as well as realtors, sales agents, builders, appraisers, etc. Demonstrated judgment and decision making ability. Excellent and effective presentation and communication skills, both verbal and written. Ability to quickly assess and process large amounts of data and use of appropriate AU software technology. Must be active in the community and in those job-related organizations to enhance the network of beneficial contacts. Continue to expand knowledge of issues influencing the industry and the organization. The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company. Evaluates PrimeLending's and other loan products and services and determines which financial products best meet the customer's needs and financial circumstances. Establishes and maintains relationships with realtors, bank officers, builders and new home sales representatives in order to develop and retain existing business; and by visiting subdivisions as required. Markets and promotes PrimeLending's financial products; Originators are expected to meet the Company's minimum production standards in funded units/volume on an ongoing basis each month, by taking complete and accurate loan applications, using PrimeLending's product set. Monitors overall customer interaction and interfaces with all parties involved on each individual loan from application to closing, including but not limited to counseling and pre-qualifying potential home buyers. Collects and analyzes information regarding the customer's income, assets, investments or debts. Advises the customer regarding the advantages and disadvantages of different loan products. Services existing customers and obtains all necessary support documents along with the appropriate fees and lock in information. Oversees the loan process by monitoring loan status and ensures conformity with terms. Communicates loan status to all interested parties, and obtains loan documentation after closing. Presents terms and conditions of loans with customers. Stays abreast of trends and developments in the local real estate market and competitive environment, as well as, changes in rules and regulations pertaining to private and government insured mortgages. Maintains a professional image and adheres to standards consistent with company policies and procedures. May supervise and direct the activities of other loan officer(s), loan officer assistant(s), or loan processor(s). Other duties as assigned.

The **Title and Registration Processor** is responsible for the processing incoming deals for vehicles sold through Retail and Rent2Buy channels. is $14.70 per hour with the opportunity for incentives. **What You'll Do:** - Maintain and process all documents necessary for title and registration. - Responsible for understanding the various T&R channels for Car Sales operations based on state. - Process deals electronically and ensure titles are ordered on all deals. - Ensure all titles are properly filled out and signed off. - Ensure all documents are accurate and accounted for prior to mailing. Responsible for creating FedEx labels. - Work incoming mail for retail locations to complete T&R. - Work directly with the titling agency to ensure that deals have complete information. - Ensure the proper T&R channel is used to transfer ownership based on the type of transaction. - Responsible for effective resolution of all red alert or on hold transactions. - Responsible for research of liens being recorded. - Handle incoming calls from customers as necessary and answer questions from internal stakeholders. - Must be able to maintain confidentiality, including PID information. **What We're Looking For:** - Previous office and/or processing of documents. - Prefer previous car sales dealership experience. - Knowledge of basic Microsoft Office. - Must be able to stay organized and work with large volume. - Must have strong attention to detail. - Must be able to work independently as well as a team member. **What You'll Get:** - Up to 40% off the base rate of any standard Hertz Rental - Paid Time Off - Medical, Dental & Vision plan options - Retirement programs, including 401(k) employer matching - Paid Parental Leave & Adoption Assistance - Employee Assistance Program for employees & family - Educational Reimbursement & Discounts - Voluntary Insurance Programs - Pet, Legal/Identity Theft, Critical Illness - Perks & Discounts -Theme Park Tickets, Gym Discounts & more The Hertz Corporation operates the Hertz, Dollar Car Rental, Thrifty Car Rental brands in approximately 9,700 corporate and franchisee locations throughout North America, Europe, The Caribbean, Latin America, Africa, the Middle East, Asia, Australia and New Zealand. The Hertz Corporation is one of the largest worldwide airport general use vehicle rental companies, and the Hertz brand is one of the most recognized in the world. **US EEO STATEMENT** At Hertz, we champion and celebrate a culture of diversity and inclusion. We take affirmative steps to promote employment and advancement opportunities. The endless variety of perspectives, experiences, skills and talents that our employees invest in their work every day represent a significant part of our culture - and our success and reputation as a company. Individuals are encouraged to apply for positions because of the characteristics that make them unique. EOE, including disability/veteran

Summary: Processes residential mortgage loans (FHA, VA, Conventional, USDA) under various programs in a quality consistent with all company policies and procedures, as well as meeting all regulatory requirements. Qualifications: To perform this job successfully, an individual must have previous mortgage processing experience and be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Essential Duties and Responsibilities: Include the following, other duties may be assigned. Reviews residential loan application file to verify that application data is complete and meets establishment standards, including type and amount of mortgage, borrower assets, liabilities and length of employment. Gather information and take each file from pre-approval to closing. Input proper loan information into the system for processing. Responsible for ensuring all loan documentation is complete, accurate, verified and complies with company policy. Review file documentation and make sure all items needed are requested from borrowers or third parties. Order and coordinate loan documents including verifications, appraisals, title work, flood certs, surveys, etc. Obtains and reviews necessary loan documentation and submits complete packages to Underwriting for approval. Obtains and verifies all Underwriting conditions are received and cleared by the Underwriter and prepares the file for submission to the Closing Dept. Monitors and ensures closing dates and company deadlines are met. Records data on status of loans (approved, canceled or denied). Reviews files to ensure compliance with rules and regulations of government agencies. Communicates with loan officers, buyers, sellers, title companies, builders and agents. Maintains a pipeline of loans and is responsible for the timely and compliant flow of such loans through the process. Keep management informed of area activities and significant problems. Perform miscellaneous clerical and secretarial functions as needed. Ensure work area is clean, secure and well maintained. Perform any additional duties/activities assigned by management. All employees are required to attend training as required by GPNB as well as support the overall compliance program by complying with all laws, policies and procedures. The employee is responsible for complying with the Bank's BSA/AML and OFAC Compliance and Consumer Compliance policies and procedures relevant to their responsibilities. If the employee is not certain of what the specific instance calls for, the employee will consult the respective policy and will contact their manager, BSA Officer and/or the Corporate Compliance Officer with additional questions. Qualifications Competencies To perform the job successfully, an individual should demonstrate the following competencies: Analytical - Synthesizes complex or diverse information; Collects and researches data; Uses intuition and experience to complement data. Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in group problem solving situations; Uses reason even when dealing with emotional topics. Project Management - Develops project plans; Coordinates projects; Communicates changes and progress. Customer Service - Manages difficult or emotional customer situations; Responds promptly to customer needs; Responds to requests for service and assistance; Meets commitments. Oral Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions. Written Communication - Writes clearly and informatively; Edits work for spelling and grammar; Varies writing style to meet needs; Presents numerical data effectively; Able to read and interpret written information. Adaptability - Adapts to changes in the work environment. Attendance/Punctuality - Is consistently at work and on time. Dependability - Follows instructions, responds to management direction; Takes responsibility for own actions; Keeps commitments; Commits to long hours of work when necessary to reach goals.; Completes tasks on time or notifies appropriate person with an alternate plan. Initiative - Seeks increased responsibilities; Asks for and offers help when needed. Education and/or Experience High school diploma or general education degree (GED); and one or more years directly related experience and/or training; or equivalent combination of education and experience. Language Skills Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of organization. Mathematical Skills Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. 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 detailed but uninvolved written or oral instructions. Ability to deal with problems involving a few concrete variables in standardized situations. Computer Skills To perform this job successfully, an individual should have knowledge of MS Outlook Internet software; Calyx Point Project Management software; MS Excel Spreadsheet software and MS Word Word Processing software. Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this Job, the employee is regularly required to sit. The employee is frequently required to stand and walk. The employee is occasionally required to use hands to finger, handle, or feel; reach with hands and arms; climb or balance; stoop, kneel, crouch, or crawl and talk or hear. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision and ability to adjust focus. Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. The environment would be consistent with a typical business office with moderate noise, services open to the public and the ability to work in a confined area typically indoors. All employees are required to attend training as required by GPB, as well as support the overall compliance program by complying with all laws, policies and procedures. We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity, status as a veteran, basis of disability or any other federal, state or location protected class. Compensation Hourly wage, plus bonus and benefits in accordance with GPNB pay practices, subject to change.

ABOUT US: Oklahoma's Credit Union has been happy to help Oklahomans for over 60 years. From the beginning, OKCU has sought to keep people economically independent by helping them learn to save and borrow responsibly. We have over half of a billion dollars in assets and employ over 135 people. OKCU offers branch access at over 91 locations across Oklahoma and over 5,000 locations nationwide. We serve over 46,000 people who enjoy benefits such as low or no fees on services, higher rates on deposits, and low rates on home or auto loans. At OKCU, we are happy to guide you through a comprehensive training program to find a career path that works for you. Experience a robust benefits package and have a little fun along the way. ABOUT YOU: You really care about helping people in your community. You are always thinking of ways to make your job or life easier. You are the kind of person who likes to be held accountable, you don't want to leave anyone hanging! You love helping people do more with their money. You enjoy a happy place to work. Join a community that puts people first, not profits. Want to learn more about who we are and what we're about? Take a look at what's important to us and hopefully it's important to you, too. VISIT: * okcu.org * facebook.com/OklahomasCU * instagram.com/oklahomascreditunion * linkedin.com/company/oklahomascu * twitter.com/OklahomasCU * youtube.com/user/MyOECU This position is located at our Capitol Branch, 3001 N Lincoln Blvd, OKC 73105. ESSENTIAL FUNCTIONS: * Provide outstanding service and contribute to overall team effort. * Fully understand and actively assist members in using credit union products and services. * Occasionally interview applicants to obtain personal and financial data and assist with completion of loan applications. * Keep records or files of credit transactions, inquiries, pending loans, loan activity reports and daily loan listings. * Provide assistance with filing, entering data, recording information, answering phones, copying, faxing, sending letters and general office duties. * Support and assist the loan officers with applications, booking and completion of loans. * Assist with onboarding and welcoming of new members, showing appreciation for their business. * Create procedures that help streamline processes for our members and loan officers. * Provide assistance to the Phone Center when needed. * Communicate with members on disclosing loans, making appointments to close loans, walking them through the electronic signature process, etc. * Ensure all items are completed before booking loans. * Process lien entries and releases, filing of out-of-state titles and claims for GAP insurance. * Assist with all loan maintenance, payment adjustments, skip a pays and automatic payments. * Respond to audit exceptions for loan processing or lending staff. * Ensure confidentiality regarding member transactions and information. * Ensure compliance with all credit union policies and procedures. EDUCATION AND EXPERIENCE: * Customer service experience * Multi-Lingual Capabilities in Spanish preferred BENEFITS FOR FULL-TIME EMPLOYEES: * Employee medical coverage 90% paid by OKCU * Employee dental, vision and life insurance paid by OKCU * Tuition reimbursement program BENEFITS FOR ALL ELIGIBLE EMPLOYEES: * 401(k) contribution of 3%, plus additional profit-sharing match of up to 4% * Volunteer opportunities to serve the community * Gym membership reimbursement * Comprehensive training opportunities * And much more! Oklahoma's Credit Union is an EEO/AAP employer.

About Us SolomonEdwardsGroup, LLC ("SolomonEdwards") is a full-service professional services firm offering financial, operational and technology consulting and operations support. We work with some of the world's most prominent companies to help them envision and achieve a better future. We know that our consulting services are only as meaningful as the people and talent behind them, and we are committed to recruiting incredibly talented, committed, collaborative individuals who can help us deliver exceptional client service. For more information, visit SolomonEdwards Position Summary: SolomonEdwards is looking for a Home Loan Specialist I for one of its mortgage clients to perform daily loan reviews to ensure the accuracy of loan findings. You will act as a key contributor to facilitate efficient and effective processes that support business and customer service objectives. Position Locations: Phoenix, AZ Tampa, FL St. Louis, MO Plano, TX Essential Duties: - Perform routine data entry and validation tasks. - Initiate third-party orders (title, appraisal, hazard, flood cert, credit, etc.). - Review and validate loan documents. - Handle routine calls, emails, and/or chat responses. - Monitor work queues and intervene as needed. - Perform other related duties as required and assigned. - Demonstrate behaviors that are aligned with the organization's desired culture and values. Qualifications: - Associate's degree or equivalent work experience. - Financial Services and, if possible, mortgage industry experience preferred. - General understanding of applicable Federal, State, and Local Regulations. Skills and Job-Specific Competencies: - Proficiency in Microsoft Office. Travel Requirements: No travel will be required, unless at the client's discretion. Physical Requirements: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be provided to qualified applicants or candidates with disabilities upon request to enable them to perform essential functions. This role may require mobility to attend in-person meetings, sitting or standing for extended periods, and the use of telephone, computer, or other electronic communication devices. Salary Range: SolomonEdwards values your unique and individual experience and background. As such, we take a comprehensive approach when determining compensation for our roles. The compensation for this specific role is based on a wide range of factors, including but not limited to, education, licensure and certifications, location, experience, and training. A reasonable estimate for the current hourly range for this role is $20-24. Benefits: We are committed to providing health and financial stability by offering a comprehensive suite of benefits. Benefits include access to top-tier employers and job opportunities, health insurance, sick leave, and 401(k). Inclusion and Diversity Statement: SolomonEdwards is an Equal Opportunity/Affirmative Action employer. We firmly believe in fostering an inclusive and diverse workplace environment. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, gender identity, sexual orientation, veteran status, or any other characteristic protected by applicable laws. All employees, including managers and supervisors, are responsible for upholding our EEO and diversity principles. Discrimination or harassment of any kind will not be tolerated. We value the contribution and wisdom of the team. At SolomonEdwards, we have built a vibrant and inclusive community. Our team members are curious, committed, and diverse. In keeping with our mission to build value through people, we cultivate a culture where differences are celebrated, and all members are treated fairly and equitably. Employees, business partners, and our extended stakeholder family are empowered to share their experiences, ideas, and perspectives; and to be their whole selves. Privacy: We adhere to the California Consumer Privacy Act (CCPA). Your privacy is important to us, and we never sell your data to third parties. Personal information is only collected to match applicants with job opportunities. Copy/paste this URL to learn more about your rights: SolomonEdwards' Privacy Policy. Our Recruiter Promise: Our talent acquisition team prioritizes integrity, professionalism, and transparency in every interaction. When you engage with SolomonEdwards, you can trust a respectful, secure experience from verified contacts. Copy/paste this URL to learn more about how we protect your candidate experience: Recruiter Promise Job Ref: 141857 ### Place of Work On-site ### Requisition ID 141857 ### Application Email ****************************

Jenks, OK: We are seeking a detail‑oriented banking Loan Review Specialist to review, analyze, and validate loan documentation across a wide range of loan types. This role focuses on complex attorney‑prepared documents, loan participations, and Commercial Real Estate (CRE) loans while also performing daily loan system maintenance to ensure accuracy and compliance. Along with an excellent working environment GFB offers world-class benefits such as: - 0 copay on brand name and generic meds - Company contribution to HSA - $600 wellness credit on premium per year - LegalShield & IDShield - Tuition Reimbursement - Nationwide Pet Insurance Consumer & Commercial Loan Review Specialist II JOB SUMMARY: The Loan Review Specialist II is responsible for reviewing closed loan documents for new, renewed and amended commercial and consumer real estate transactions. Ensures required documentation has been obtained and properly executed. Also ensures that the loan was prepared in accordance with the terms and conditions approved by underwriting, the senior lender or loan committee. Consumer & Commercial Loan Review Specialist II ESSENTIAL FUNCTIONS (RESPONSIBILITIES): * Works with lending staff to address any discrepancies or deficiencies in the closing documents and addresses concerns/questions to develop solutions. * Reviews and validates all documentation related to the loan for accuracy, completeness and compliance with lending laws and regulations and proper perfection of collateral as well as performs maintenance on commercial and consumer real estate loans. * Reviews and processes early disclosures, renewal/modification documents and payment extension documents, in addition to new loan documents. * Boards loans to the core processing system, ensuring accurate field completion for terms of loans and assigning loan codes in accordance with loan classification and portfolio monitoring and reporting requirements. * Performs a variety of imaging duties, such as verifying the quality of scanned documents; correcting, indexing, cross referencing and deleting documents; resolving rejected and suspended batches. * Creates appropriate exceptions for omitted documents and those with errors. Creates recurring exception schedules for applicable documents. * Creates ticklers and/or recurring exceptions for loan covenants or special loan terms as well as records security documents (i.e. lien entries, UCCs, mortgages, etc.) * Processes participation transactions and settles with participating banks. Performs confirmation audits for participations. * Monitors escrow function, including analyzing the annual statements on monthly basis, paying invoices bi-monthly and reconciling all escrow activity. * Acts as E-Oscar Queue Manager for credit discrepancies as well as balances other liabilities general ledger and disburses unused funds. * Works consumer loans as needed. * Exercises awareness with regard to possible suspicious activity, money laundering or fraudulent behavior and reports any such incidents to the BSA department. Performs all job functions in compliance with all company policies and federal, state, and local laws and regulations as applicable to the position, including, but not limited to BSA/AML, OFAC and GLBA/privacy rules. * Performs related responsibilities as required or assigned

The Title and Registration Processor is responsible for the processing incoming deals for vehicles sold through Retail and Rent2Buy channels. is $14.70 per hour with the opportunity for incentives. What You'll Do: * Maintain and process all documents necessary for title and registration. * Responsible for understanding the various T&R channels for Car Sales operations based on state. * Process deals electronically and ensure titles are ordered on all deals. * Ensure all titles are properly filled out and signed off. * Ensure all documents are accurate and accounted for prior to mailing. Responsible for creating FedEx labels. * Work incoming mail for retail locations to complete T&R. * Work directly with the titling agency to ensure that deals have complete information. * Ensure the proper T&R channel is used to transfer ownership based on the type of transaction. * Responsible for effective resolution of all red alert or on hold transactions. * Responsible for research of liens being recorded. * Handle incoming calls from customers as necessary and answer questions from internal stakeholders. * Must be able to maintain confidentiality, including PID information. What We're Looking For: * Previous office and/or processing of documents. * Prefer previous car sales dealership experience. * Knowledge of basic Microsoft Office. * Must be able to stay organized and work with large volume. * Must have strong attention to detail. * Must be able to work independently as well as a team member. What You'll Get: * Up to 40% off the base rate of any standard Hertz Rental * Paid Time Off * Medical, Dental & Vision plan options * Retirement programs, including 401(k) employer matching * Paid Parental Leave & Adoption Assistance * Employee Assistance Program for employees & family * Educational Reimbursement & Discounts * Voluntary Insurance Programs - Pet, Legal/Identity Theft, Critical Illness * Perks & Discounts -Theme Park Tickets, Gym Discounts & more