Commercial Loan Closing Specialist
Loan processor job in Pittsburgh, PA
Department: Loan Operations The Commercial Loan Closing Specialist coordinates the loan closing process for new loans and modifications to existing loans within the C&I and CRE portfolio. This includes performing necessary due diligence (i.e. flood work, engaging inspectors & environmental engineers, review of insurance), reviewing loan approvals and draft documents, ensuring all closing conditions have been met and scheduling closings.
Essential Functions of the Position:
* Liaise with Bank Counsel to review complex loan documents
* Participate actively in deal closing calls that include internal and external deal team members and counsel
* Ensure documentation accurately reflect the conditions and structure set forth in the credit approval
* Work with Relationship Manager/Underwriter to understand the transaction and make sure that all relevant documentation and necessary due diligence is obtained
* Prepare funding requests and ensure accurate and complete funding information to ensure a timely closing
* Resolve post-closing loan requirements and clear exceptions.
Education and Experience Requirements:
* Post-secondary degree preferred
* Minimum 4 years of experience, including 2 years of bank operations processing, loan closings or related experience
* Commercial Real Estate experience
Essential Skills and Abilities:
* Demonstrated knowledge of loan documentation and lending regulations and ability to effectively interface with customers, internal and external counsel, compliance, credit, title companies, inspectors, insurance companies and other external contacts
* Job may require additional hours of work during peak periods to meet service levels
* Must demonstrate strong follow-up skills and the ability to prioritize tasks effectively
APPLY NOW
TriState Capital Bank provides equal employment opportunity and advance in employment to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.
TriState Capital Bank is an Equal Opportunity Employer.
Commercial Loan Closing Specialist
Loan processor job in Pittsburgh, PA
** The Commercial Loan Closing Specialist coordinates the loan closing process for new loans and modifications to existing loans within the C&I and CRE portfolio. This includes performing necessary due diligence (i.e. flood work, engaging inspectors & environmental engineers, review of insurance), reviewing loan approvals and draft documents, ensuring all closing conditions have been met and scheduling closings.
**Essential Functions of the Position:**
+ Liaise with Bank Counsel to review complex loan documents
+ Participate actively in deal closing calls that include internal and external deal team members and counsel
+ Ensure documentation accurately reflect the conditions and structure set forth in the credit approval
+ Work with Relationship Manager/Underwriter to understand the transaction and make sure that all relevant documentation and necessary due diligence is obtained
+ Prepare funding requests and ensure accurate and complete funding information to ensure a timely closing
+ Resolve post-closing loan requirements and clear exceptions.
**Education and Experience Requirements:**
+ Post-secondary degree preferred
+ Minimum 4 years of experience, including 2 years of bank operations processing, loan closings or related experience
+ Commercial Real Estate experience
**Essential Skills and Abilities:**
+ Demonstrated knowledge of loan documentation and lending regulations and ability to effectively interface with customers, internal and external counsel, compliance, credit, title companies, inspectors, insurance companies and other external contacts
+ Job may require additional hours of work during peak periods to meet service levels
+ Must demonstrate strong follow-up skills and the ability to prioritize tasks effectively
Mortgage Loan Sales
Loan processor job in Pittsburgh, PA
Primary Office Location:30 Isabella Street. Pittsburgh, Pennsylvania. 15212.Join our team. Make a difference - for us and for your future.
Mortgage Banking Consultant
Business Unit: Mortgage Administration
Reports to: Varies based on assignment
Position Overview:
This position is primarily responsible for originating residential mortgage loans through internal and external referral sources. Responsible for building and maintaining strong internal and external referral relationships, counseling mortgage customers around solutions to their lending needs, providing excellent customer service, and supporting all key channel initiatives and sales activities. ( Cross Sell Initiatives, External Sales Activities, Customer Satisfaction Results, and Loan Quality.) Responsible for meeting or exceeding personal production and strategic activity goals.
Primary Responsibilities:
Builds relationships with internal and external referral sources through key sales strategies and activities to achieve expected performance goals.
Counsels customers on lending options and solutions to meet their needs.
Supports and facilitates key banking partnerships.
Provides excellent service and supports an outstanding customer mortgage experience. Effectively manages loan pipeline to meet key milestones such as delivering initial documentation, closing dates, rate expiration dates, pricing, and compliance related expectations.
Provides feedback to management on process efficiencies, relationship processing performance, and overall customer experience for relationship processing partner. Assists with recruiting and hiring of support team members as needed.
Performs other related duties and projects as assigned.
All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation's risk management program.
F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.
Minimum Level of Education Required to Perform the Primary Responsibilities of this Position:
High School or GED
Minimum # of Years of Job Related Experience Required to Perform the Primary Responsibilities of this Position:
3
Skills Required to Perform the Primary Responsibilities of this Position:
Excellent customer service skills
Excellent communication skills, both written and verbal
Excellent organizational, analytical and interpersonal skills
Ability to use general office equipment
Ability to use a personal computer and job-related software
MS Word - Basic Level
MS Excel - Basic Level
MS PowerPoint - Basic Level
BS or BA degree preferred.
Must possess a Nationwide Mortgage Licensing System and Registry identifier. Experience with Easylender, Uni-form and Genesis.
Licensures/Certifications Required to Perform the Primary Responsibilities of this Position:
N/A
Physical Requirements or Work Conditions Beyond Traditional Office Work:
N/A
Equal Employment Opportunity (EEO):
It is the policy of FNB not to discriminate against any employee or applicant for employment because of his or her race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, or status as a protected veteran. FNB provides all applicants and employees a discrimination and harassment free workplace.
Auto-ApplyMortgage Loan Officer
Loan processor job in Pittsburgh, PA
SUMMARY: The primary purpose of this role is to source, qualify and originate 1-4 family, mortgage loans. While conducting this work the Loan Consultant will also be required to discover and refer cross-selling opportunities as necessary to partner divisions within the Bank (Trust, Insurance, etc.). Loan Consultants will also be responsible for coaching and training retail branch staff regarding mortgage loan products, referral cues and referral processes.
ESSENTIAL DUTIES and RESPONSIBILITIES:
* Source, qualify and originate 1-4 family mortgage loans
* Recognize and execute qualified cross-sell opportunities for other divisions such as Farmers Trust, Farmers Insurance, Commercial Lending and Private Client Services
* Support and partner with assigned retail branch teams to assist clients and generate new mortgage opportunities
* Develop and maintain profitable Centers Of Influence to help generate new business leads
* Develop and maintain relationships within the real estate community
* Collect, process and complete appropriate mortgage paperwork such as mortgage applications, tax statements, income data, etc.
* Create and track various production and call reports on a monthly/quarterly/annual basis
* Travel to multiple retail banking offices and client homes/offices on a daily basis
* Generate new business leads through personal referrals and other centers of influence
* Provide superior client service through meticulous attention to detail and to the client needs/wants
* Ensure compliance with all government and regulatory requirements
* Interview applicants and request specified information for loan application
* Analyze applicant's financial status, credit, and property evaluation to determine feasibility of granting loan
* Correspond with applicant or creditors to resolve questions regarding application information
* Complete all mandatory and elective training, including BSA (Bank Secrecy Act) and Anti-Money Laundering procedures. Maintain compliance with all appropriate rules and regulations.
* Complete other duties as assigned
* Regular, predictable attendance is an essential requirement of this position
EDUCATION and/or EXPERIENCE:
* High School Diploma or G.E.D. required, Associate's Degree in business (real estate preferred)
* Must be eligible for NMLS licensing or be currently licensed and in good standing
* Minimum of 1 year experience in mortgage lending and/or processing
* Thorough knowledge of Freddie Mac (FHLMC) and Fannie Mae (FNMA)
* FHA/VA knowledge required
* Proven understanding of mortgage terminology, documentation, and regulations
* Proven organizational skills
* Strong computer skills (Excel, Word)
E-Verify is used to confirm the identity and employment eligibility of all newly hired employees.
Farmers National Banc Corp. is an Equal Opportunity Employer: disability/veteran
Retail Loan Officers
Loan processor job in Pittsburgh, PA
Job Description
EMM LOANS LLC (EMM) is currently looking for Retail Loan Officers to work with our growing teams! The Retail Loan Officer will work under a strong and experienced leader - Learn from the best!
The Retail Loan Officer will market and originate residential mortgage loans. This position will be responsible for soliciting residential mortgages through contacts and seeking opportunities to present the mortgage programs to individuals as well as professional organizations. Loan Officers will provide service to customers and prospective customers seeking residential mortgage loans. Loan Officers will interview applicants to acquire information concerning their current financial situation, their needs, desires and property information, as well as obtain and analyze pertinent data. Loan Officers will ensure the customer understands the loan process from application through closing and also evaluates loan applications and documentation to confirm credit
worthiness.
This is an outside Sales position which is commission only and no leads are provided.
So, how do you become part of this fantastic team? Meeting the following requirements is good place to start!
Active NMLS Licensing
A contagiously positive attitude and LOTS of energy
Deep knowledge of various loan products, origination processes, policies, procedure, underwriting guidelines and documentation requirements.
EMM is proud to offer a wide range of benefits and a very comp plan. Eligible employees can participate in the following benefits.
Medical, Dental, and Vision insurance
Flexible Spending Account
Company paid Life Insurance and LTD!
Additional buy up Life and LTD Insurance
401K plan with an employer match
And more!
*All positions are contingent upon the successful completion of a background check.
EMM LOANS LLC is an Equal Employment Opportunity Employer. NMLS ID: 2926
Mortgage Loan Originator - Loan Officer - MLO - LO
First Mortgage Loan Officer
Loan processor job in Pittsburgh, PA
Job Description Now Hiring: First Mortgage Loan Officer - Western PA (Remote) NHS of Greater Berks (NHSGB) and its lending subsidiary, the Pennsylvania Home Lending Collaborative (PHLC), in partnership with NeighborWorks Western Pennsylvania (NWWPA), are seeking an experienced First Mortgage Loan Officer to originate residential loans for first-time homebuyers.
This remote role, anchored through NWWPA's Pittsburgh office, supports the launch of NWWPA's Third-Party Origination (TPO) mortgage platform and integrates with PHLC's statewide “Hub & Spoke” lending model.
Ideal candidates have:
• 3+ years of mortgage origination experience
• Active NMLS license
• Strong FHA/VA/USDA/conventional knowledge
• Experience serving first-time or LMI homebuyers
• High communication and relationship-building skills
• Commitment to equity and access to capital
Key Responsibilities:
• Originate and manage a high-quality mortgage pipeline.
• Partner closely with NWWPA counselors.
• Structure first mortgages paired with NHSGB DPA second mortgages.
• Maintain compliance with lending regulations.
• Represent PHLC/NWWPA at community and outreach events.
If you are driven to expand homeownership opportunities and build generational wealth for underserved communities, we want to meet you.
Apply by sending your résumé and cover letter to: *****************************
Join us and help transform homeownership across Pennsylvania.
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Easy ApplyLoan Officer
Loan processor job in Pittsburgh, PA
Do you have strong relationship building skills? Have you built your business largely on referrals? Are you an entrepreneur at heart? If so, then we have an exciting opportunity for you. Become your own boss at Caliver Beach Mortgage!! Description: · Run your business remotely on a P&L basis under the umbrella of Caliver Beach Mortgage!
· Uncapped commissions!
· Loan products for all borrower types!
· Add additional LO's to your team OR act as an individual LO!
· Licensed in 28 states and growing!
· Administrative, operational and compliance support provided by Corporate!
Successful Candidate Attributes:
· Proven track record developing referral partner relationships with Realtors, CPA's, Financial Planners, etc.
· Maintains a database of past clients for marketing purposes.
· History of closing at least 3-5 units per month.
Loan Officer Requirements:
· An active NMLS/MLO license (required).
· Strong knowledge of lending regulations and industry best practices.
· Exceptional interpersonal and communication skills.
· Analytical mindset with the ability to assess complex financial information.
· Sales-oriented mindset with a commitment to achieving targets.
· Detail-oriented and organized.
· Proficient in relevant software and tools.
Caliver Beach Mortgage, LLC is an equal opportunity employer. We are committed to diversity and inclusion in our workplace.
Consumer Loan Underwriter
Loan processor job in Pittsburgh, PA
Primary Office Location: 626 Washington Place. Pittsburgh, Pennsylvania. 15219. Join our team. Make a difference - for us and for your future. This position is responsible for evaluating consumer loan requests and making credit decisions while adhering to policy, procedure, and the Bank's risk appetite. This may include both secured and unsecured requests, such as home equity, auto, personal loans, and credit cards.
Position Title: Retail Lending Loan Underwriter 1
Business Unit: Retail Lending
Reports To: Varies Based on Assignment
Position Overview:
This position description covers underwriting positions for Direct, Indirect or Small Business Lending. This position is primarily responsible for new loan application analysis, underwriting and declination review noting that the importance of this function impacts long term company goals and objectives. The incumbent plays a major role in the acquisition of loan assets utilizing appropriate risk management discipline.
Primary Responsibilities:
Reviews loan applications from consumers and small businesses within the Bank's delivery channels or directly through dealer channels to evaluate a degree of risk involved and determines the acceptance of applications. Verifies all application information for accuracy and completeness though validation of loan data against documentation provided.
Pays appropriate attention to proper ordering of documentation to lessen the Bank's potential risk of loss considering a broad array of credit related information including repayment capacity, collateral valuations, credit histories, other banking relationships and regulatory impact in reaching final credit decisions.
Takes responsibility for compliance to Bank's policies and procedures for underwriting loans depending on assignment. Complies with regulations regarding declinations and notification is sent within stated time frames.
Develops partnerships with loan processors and Bank branch personnel to improve overall customer satisfaction. Maintains the customer relationships that were developed by the loan originators including Bank branch personnel and the Business Development and Underwriter.
Performs tax return analysis to develop the self-employed borrower's income. Obtains and compiles copies of loan applicants' credit histories, corporate financial statements, tax returns, collateral valuations and other financial information. Reviews the appraisal report for accuracy and completeness.
Takes responsibility for final approval of documents.
Continually educates other Bank personnel on policy, credit risk tolerance and regulatory factors involving all relevant loan issues. Stays abreast of new types of loans and other financial services and products to better meet customers' needs.
Approves loans up to and including a set loan authority.
Performs other related duties and projects as assigned.
All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation's risk management program.
F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.
Minimum Education:
BA or BS
Minimum Years Experience:
3
Special Skills:
Excellent project management skills
Excellent communication skills, both written and verbal
Excellent organizational, analytical and interpersonal skills
Excellent customer service skills
Ability to use a personal computer and job-related software
MS Word - Basic Level
MS Excel - Intermediate Level
MS PowerPoint - Basic Level
Special Licenses and Certificates:
N/A
Physical Requirements:
N/A
Equal Employment Opportunity (EEO):
It is the policy of F.N.B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements. FNB provides all applicants and employees a discrimination and harassment free workplace.
Auto-ApplyMortgage Loan Closer
Loan processor job in Pittsburgh, PA
We are seeking a detail-oriented and highly organized Mortgage Loan Closer to join our team. In this role, you will be responsible for preparing, reviewing, and ensuring the timely and accurate closing of residential mortgage loans. The ideal candidate will have a strong understanding of mortgage documentation, compliance requirements, and closing procedures, ensuring a smooth transition from underwriting to funding.
Key Responsibilities:
Prepare and review closing documents in accordance with loan approval terms, investor guidelines, and regulatory compliance.
Coordinate loan closings with title companies, attorneys, borrowers, lenders, and internal departments.
Verify loan data, including loan amount, interest rate, and fees, to ensure accuracy.
Ensure all closing conditions are met prior to disbursement.
Issue and manage Closing Disclosures (CDs) and final settlement statements.
Perform funding authorization and coordinate disbursement of funds.
Communicate regularly with loan officers, processors, underwriters, and other stakeholders to resolve issues and ensure timely closings.
Maintain complete and accurate loan files in accordance with company and investor requirements.
Keep current on federal, state, and investor regulations related to loan closings.
Provide excellent customer service to all internal and external partners.
Qualifications:
High school diploma or equivalent required; associate or bachelor's degree preferred.
2+ years of mortgage closing experience preferred.
Strong knowledge of residential loan closing documents and procedures (Conventional, FHA, VA, USDA).
Familiarity with TRID and other applicable compliance regulations.
Experience with mortgage loan origination systems
Exceptional attention to detail and organizational skills.
Ability to multitask and work under tight deadlines.
Excellent communication and customer service skills.
HowardHanna.com
Hanna Holdings, Inc. affiliates and assigns are committed to providing equal employment opportunity to all employees and applicants for employment regardless of such factors as race, color, religion, sex, national origin, age, veteran's status or disability. The Company abides by all local, state and federal laws and regulations affecting the hiring of employees.
Auto-ApplyCall Center Loan Officer- In Office
Loan processor job in Pittsburgh, PA
Call Center Loan Officer (Mortgage Analyst) - In-Office | Pittsburgh, PA or Charlotte, NC
Our client, a well-established mortgage lender, is seeking Call Center Loan Officers (Mortgage Analysts) to join their team. This is a great opportunity for both licensed and unlicensed candidates who are hungry to learn, earn, and grow in mortgage sales. The role offers a strong training program, access to inbound leads from dialers, and support to obtain your NMLS license if needed.
Highlights
In-office role, based in Pittsburgh, PA or Charlotte, NC
Primarily refinance business from dialers, with purchase opportunities
No existing book of business required
Extensive training program with strong management support
W-2 role with full benefits
Compensation
8-month ramp up: $48,000 base + 20-40 bps
Low producer 2-3 units/month
High producer 6-7 units/month
After ramp up, can choose:
$13/hr advance on commission with 90-110 bps (+20 bps if self-sourced), OR
Stay with original monthly salary plus
Training & Support
Managed by a Pod Manager (4 Mortgage Analysts per pod) for 4-8 months
Comprehensive training program
Support provided for obtaining NMLS license if not already licensed
Requirements
Licensed or unlicensed (support to obtain NMLS provided)
Sales-oriented, competitive, and motivated to succeed
Excellent communication and customer service skills
Comfortable working in a high-volume, call center environment
Please note: National Mortgage Staffing does not determine the salary, requirements, or qualifications for this role. We are contractually required to follow the criteria set forth by our clients.
Thank you for your interest!
If your background aligns with our clients needs, one of our Recruiters will reach out. Please Check your spam folder and voicemail for messages from our recruiters.
Unfortunately due to high volumes of applicants, we may not be able to respond to those who are not a fit. If you do not hear from us regarding this application, please know we do appreciate your interest and encourage you to continue to keep an eye on our website for new opportunities.
Private Bank Commercial Operations Loan Closer II
Loan processor job in Pittsburgh, PA
At Citizens, we work together to make a difference for companies that are building, supplying, and serving industries and consumers across the country. As the Commercial Operations Loan Closer II, you will be a critical member of the Business Banking Operations team that is responsible for ensuring loans with complex loan structures or documentation requirements are closed and documented in accordance with the Citizens credit approval policy. You will be responsible for accurately booking loans into the loan accounting system, performing appropriate due diligence tasks, reviewing operational risk components, and ensuring conditions are met prior to closing or funding a loan with a particular focus on Commercial Real Estate (CRE), C&I financing, Small Business Administration (SBA) and other niche financing. You will function as a gate keeper for certain compliance and reporting requirements and will perform these functions under the supervision of a Team Leader and/or Manager. As part of the Business Banking Operations team, you will thrive in this role by possessing strong verbal and written communication skills to interact efficiently and effectively with internal business partners, legal counsel, and clients.
Most importantly, you will feel valued for who you are and supported to achieve what is important to you, personally and professionally!
Primary responsibilities include
+ Knowledge of Federal regulations, loan documentation terms and conditions including credit agreements, notes, guarantees, and collateral is required as you will act as a gate keeper for certain compliance and reporting requirements.
+ Responsible for ensuring loans are closed and documented in accordance with the Citizens credit approval procedure.
+ Accurately booking the loan to the loan accounting system.
+ Successfully manage a loan pipeline of 25 transactions; communicating clearly and timely to partners and customers on status and conditions.
+ Supports regular program activities such as SBA 1502 reporting, internal and external reviews and procedure review and maintenance
+ Perform appropriate due diligence tasks, review operational risk components, and ensure conditions precedent are met prior to closing or funding a loan.
+ Effectively work with sales partners, customers, legal counsel, and third parties to clear all pre-closing conditions including environmental reports, appraisals, flood determinations, lien positions and title work
+ Possess strong verbal and written communication skills in order to interact efficiently and effectively with internal business partners, legal counsel and clients.
+ Reconcile Loan Accounting Recon account for assigned loans.
+ Manage and clear post-closing legal documentation exceptions in compliance with bank policy.
+ Implement effective controls and proactively initiate action over key client indicators and managing loan closings within established Key Performance Indicators (KPI's).
+ Provides exceptional customer service while adhering to Bank policies and controls and regulatory requirements to m itigate operational and reputational risk
Qualifications, Education, Certifications and/or Other Professional Credentials
Required Skills/Experience:
+ 3+ years of relevant experience in a business/commercial lending environment with knowledge of CRE, C&I and/or SBA lending, practices and policies
+ 3+ years customer service experience
+ 3+ years computer skills- ability to work with desktop applications and systems.
+ Knowledge of commercial banking documentation
+ Exceptional customer service and communication skills
+ Solid understanding of commercial real estate transactions
+ Self-starter with the capacity to work independently with minimal supervision
+ Highly motivated and team-oriented
+ Ability to manage and resolve moderately complex problems
+ Excellent time management skills with the ability to effectively manage a pipeline of credits, independently prioritizing activities.
+ Strong organizational skills with the ability to manage multiple priorities in a time sensitive environment while maintaining service level agreements
+ Experience with AFS, Relay, Laser Pro and Salesforce are all pluses
Education:
High School or equivalent (GED) required
Associate's Degree or higher is preferred
Hours and Work Schedule:
Hours per Week: 40
Work Schedule: 8:00am - 5:00pm, Monday - Friday, hybrid 4 days onsite, 1 day remote
Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.
Equal Employment Opportunity
Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague's or a dependent's reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.
Why Work for Us
At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth
Background Check
Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.
Consumer Loan Underwriter
Loan processor job in Pittsburgh, PA
Primary Office Location:626 Washington Place. Pittsburgh, Pennsylvania. 15219.Join our team. Make a difference - for us and for your future.
This position is responsible for evaluating consumer loan requests and making credit decisions while adhering to policy, procedure, and the Bank's risk appetite. This may include both secured and unsecured requests, such as home equity, auto, personal loans, and credit cards.
Position Title: Retail Lending Loan Underwriter 1
Business Unit: Retail Lending
Reports To: Varies Based on Assignment
Position Overview:
This position description covers underwriting positions for Direct, Indirect or Small Business Lending. This position is primarily responsible for new loan application analysis, underwriting and declination review noting that the importance of this function impacts long term company goals and objectives. The incumbent plays a major role in the acquisition of loan assets utilizing appropriate risk management discipline.
Primary Responsibilities:
Reviews loan applications from consumers and small businesses within the Bank's delivery channels or directly through dealer channels to evaluate a degree of risk involved and determines the acceptance of applications. Verifies all application information for accuracy and completeness though validation of loan data against documentation provided.
Pays appropriate attention to proper ordering of documentation to lessen the Bank's potential risk of loss considering a broad array of credit related information including repayment capacity, collateral valuations, credit histories, other banking relationships and regulatory impact in reaching final credit decisions.
Takes responsibility for compliance to Bank's policies and procedures for underwriting loans depending on assignment. Complies with regulations regarding declinations and notification is sent within stated time frames.
Develops partnerships with loan processors and Bank branch personnel to improve overall customer satisfaction. Maintains the customer relationships that were developed by the loan originators including Bank branch personnel and the Business Development and Underwriter.
Performs tax return analysis to develop the self-employed borrower's income. Obtains and compiles copies of loan applicants' credit histories, corporate financial statements, tax returns, collateral valuations and other financial information. Reviews the appraisal report for accuracy and completeness.
Takes responsibility for final approval of documents.
Continually educates other Bank personnel on policy, credit risk tolerance and regulatory factors involving all relevant loan issues. Stays abreast of new types of loans and other financial services and products to better meet customers' needs.
Approves loans up to and including a set loan authority.
Performs other related duties and projects as assigned.
All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation's risk management program.
F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.
Minimum Education:
BA or BS
Minimum Years Experience:
3
Special Skills:
Excellent project management skills
Excellent communication skills, both written and verbal
Excellent organizational, analytical and interpersonal skills
Excellent customer service skills
Ability to use a personal computer and job-related software
MS Word - Basic Level
MS Excel - Intermediate Level
MS PowerPoint - Basic Level
Special Licenses and Certificates:
N/A
Physical Requirements:
N/A
Equal Employment Opportunity (EEO):
It is the policy of F.N.B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements. FNB provides all applicants and employees a discrimination and harassment free workplace.
Auto-ApplyConsumer Loan Specialist
Loan processor job in West Mifflin, PA
.
Loan Closer
Loan processor job in Pittsburgh, PA
NVR has been helping families build their happily ever after since 1948. As a Top 5 US homebuilder, we're committed to quality and to our customers and we take pride in the nearly 500,000 new homes we have sold and built across the country. Working in the homebuilding industry is tangible and rewarding, but not every job at NVR requires a hard hat. We don't just sell and build new homes; we also manage teams, acquire land, manufacture materials, provide mortgages to our customers, and provide corporate support to NVR's multi-billion dollar business operations.
As a Loan Closer, you'll directly impact new homebuyers by setting up internal closing controls, managing the closing schedule, and preparing loan documents for closing. Your attention to detail and follow-up skills when reviewing all closing files will make you an asset on our team.
Primary Responsibilities
* Prepare initial and final closing disclosures within required timeframe
* Prepare and send closing documents timely for closing to buyers and title companies
* Initiate funding wires for closings
* Review signed packages for completeness prior to shipping
* Review files for QC accuracy and clear closing conditions prior to closing
* Work with multiple internal partners to meet required timelines
Qualifications
* Operate office equipment (i.e., telephone, typewriter, calculator, computer, copier and fax machine).
* Excellent customer service and oral/written communication skills
* Strong organization skills, attention to detail, and ability to multi-task
Life at NVR
At NVR, our industry-leading training and mentoring give you the tools and knowledge you need to succeed. All our employees periodically head out into the field with our regional trainers, learning first-hand how we build our homes, source our materials, work with suppliers, interact with our customers, and more.
As an organization, we are committed to helping you become one of our 80% of managers who are promoted from within. As soon as you join the team, we pair you with mentors who are eager to share their knowledge, provide guidance and help you find success.
We are an Equal Opportunity Employer.
Drug Testing and Credit Check are required.
Applicants must be legally entitled to work in the United States, as NVR does not provide visa sponsorships.
Private Bank Commercial Operations Loan Closer II
Loan processor job in Pittsburgh, PA
At Citizens, we work together to make a difference for companies that are building, supplying, and serving industries and consumers across the country. As the Commercial Operations Loan Closer II, you will be a critical member of the Business Banking Operations team that is responsible for ensuring loans with complex loan structures or documentation requirements are closed and documented in accordance with the Citizens credit approval policy. You will be responsible for accurately booking loans into the loan accounting system, performing appropriate due diligence tasks, reviewing operational risk components, and ensuring conditions are met prior to closing or funding a loan with a particular focus on Commercial Real Estate (CRE), C&I financing, Small Business Administration (SBA) and other niche financing. You will function as a gate keeper for certain compliance and reporting requirements and will perform these functions under the supervision of a Team Leader and/or Manager. As part of the Business Banking Operations team, you will thrive in this role by possessing strong verbal and written communication skills to interact efficiently and effectively with internal business partners, legal counsel, and clients.
Most importantly, you will feel valued for who you are and supported to achieve what is important to you, personally and professionally!
Primary responsibilities include
* Knowledge of Federal regulations, loan documentation terms and conditions including credit agreements, notes, guarantees, and collateral is required as you will act as a gate keeper for certain compliance and reporting requirements.
* Responsible for ensuring loans are closed and documented in accordance with the Citizens credit approval procedure.
* Accurately booking the loan to the loan accounting system.
* Successfully manage a loan pipeline of 25 transactions; communicating clearly and timely to partners and customers on status and conditions.
* Supports regular program activities such as SBA 1502 reporting, internal and external reviews and procedure review and maintenance
* Perform appropriate due diligence tasks, review operational risk components, and ensure conditions precedent are met prior to closing or funding a loan.
* Effectively work with sales partners, customers, legal counsel, and third parties to clear all pre-closing conditions including environmental reports, appraisals, flood determinations, lien positions and title work
* Possess strong verbal and written communication skills in order to interact efficiently and effectively with internal business partners, legal counsel and clients.
* Reconcile Loan Accounting Recon account for assigned loans.
* Manage and clear post-closing legal documentation exceptions in compliance with bank policy.
* Implement effective controls and proactively initiate action over key client indicators and managing loan closings within established Key Performance Indicators (KPI's).
* Provides exceptional customer service while adhering to Bank policies and controls and regulatory requirements to mitigate operational and reputational risk
Qualifications, Education, Certifications and/or Other Professional Credentials
Required Skills/Experience:
* 3+ years of relevant experience in a business/commercial lending environment with knowledge of CRE, C&I and/or SBA lending, practices and policies
* 3+ years customer service experience
* 3+ years computer skills- ability to work with desktop applications and systems.
* Knowledge of commercial banking documentation
* Exceptional customer service and communication skills
* Solid understanding of commercial real estate transactions
* Self-starter with the capacity to work independently with minimal supervision
* Highly motivated and team-oriented
* Ability to manage and resolve moderately complex problems
* Excellent time management skills with the ability to effectively manage a pipeline of credits, independently prioritizing activities.
* Strong organizational skills with the ability to manage multiple priorities in a time sensitive environment while maintaining service level agreements
* Experience with AFS, Relay, Laser Pro and Salesforce are all pluses
Education:
High School or equivalent (GED) required
Associate's Degree or higher is preferred
Hours and Work Schedule:
Hours per Week: 40
Work Schedule: 8:00am - 5:00pm, Monday - Friday, hybrid 4 days onsite, 1 day remote
Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.
Equal Employment Opportunity
Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague's or a dependent's reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.
Background Check
Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.
Benefits
We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more.
View Benefits
Awards We've Received
Age-Friendly Institute's Certified Age-Friendly Employer
Dave Thomas Foundation's Best Adoption-Friendly Workplace
Disability:IN Best Places to Work for Disability Inclusion
Human Rights Campaign Corporate Equality Index 100 Award
Fair360 Top Regional Company
FORTUNE's World's Most Admired Companies
Military Friendly Employer
Auto-ApplyCommercial Loan Closing Specialist
Loan processor job in Pittsburgh, PA
The Commercial Loan Closing Specialist coordinates the loan closing process for new loans and modifications to existing loans within the C&I and CRE portfolio. This includes performing necessary due diligence (i.e. flood work, engaging inspectors & environmental engineers, review of insurance), reviewing loan approvals and draft documents, ensuring all closing conditions have been met and scheduling closings.
Essential Functions of the Position:
Liaise with Bank Counsel to review complex loan documents
Participate actively in deal closing calls that include internal and external deal team members and counsel
Ensure documentation accurately reflect the conditions and structure set forth in the credit approval
Work with Relationship Manager/Underwriter to understand the transaction and make sure that all relevant documentation and necessary due diligence is obtained
Prepare funding requests and ensure accurate and complete funding information to ensure a timely closing
Resolve post-closing loan requirements and clear exceptions.
Education and Experience Requirements:
Post-secondary degree preferred
Minimum 4 years of experience, including 2 years of bank operations processing, loan closings or related experience
Commercial Real Estate experience
Essential Skills and Abilities:
Demonstrated knowledge of loan documentation and lending regulations and ability to effectively interface with customers, internal and external counsel, compliance, credit, title companies, inspectors, insurance companies and other external contacts
Job may require additional hours of work during peak periods to meet service levels
Must demonstrate strong follow-up skills and the ability to prioritize tasks effectively
Education
Bachelor's: Accounting, Bachelor's: Business Administration, Bachelor's: Finance
Work Experience
General Experience - 7 to 12 months
Certifications
Travel
Workstyle
Resident
At Raymond James our associates use five guiding behaviors (Develop, Collaborate, Decide, Deliver, Improve) to deliver on the firm's core values of client-first, integrity, independence and a conservative, long-term view.
We expect our associates at all levels to:
• Grow professionally and inspire others to do the same
• Work with and through others to achieve desired outcomes
• Make prompt, pragmatic choices and act with the client in mind
• Take ownership and hold themselves and others accountable for delivering results that matter
• Contribute to the continuous evolution of the firm
At Raymond James - as part of our people-first culture, we honor, value, and respect the uniqueness, experiences, and backgrounds of all of our Associates. When associates bring their best authentic selves, our organization, clients, and communities thrive. The Company is an equal opportunity employer and makes all employment decisions on the basis of merit and business needs.
Auto-ApplyAssistant Manager of Consumer Loan Underwriting
Loan processor job in Pittsburgh, PA
Primary Office Location:626 Washington Place. Pittsburgh, Pennsylvania. 15219.Join our team. Make a difference - for us and for your future.
Assistant Manager of Loan Underwriting
Business Unit: Retail Lending
Reports to: Manager of Loan Underwriting
Position Overview:
This position is primarily responsible for leading a team of Loan Underwriters while maintaining production analyzing new loan application requests. The incumbent performs the most complex transactions, provides more in-depth analysis, assists management in training, reviews loan requests over Loan Underwriters 1 and 2 lending authority. The incumbent plays a major role in the acquisition of loan assets utilizing appropriate risk management discipline and provides feedback for end of year reviews based on observations in loan reviews.
Primary Responsibilities:
Reviews loan applications from consumers and small businesses within the Bank's delivery channels or directly through dealer channels to evaluate a degree of risk involved and determines the acceptance of applications. Verifies all application information for accuracy and completeness though validation of loan data against documentation provided.
Develops and administers a portfolio of loans by analyzing applications and credit reports obtaining approval for loans that are underwritten within established lending limits. Evaluates the quality of credit applications in order to originate a profitable loan portfolio, protect the Bank from loss and to provide the highest quality of service to deliver best in class loan fulfillment services.
Meets or exceeds the Bank's credit quality, profitability, growth and service objectives without compromising quality according to established guidelines and procedures and measured by an acceptable delinquency ratio, net charge-off and growth goals in order to originate a profitable portfolio.
Develops partnerships with loan processors and Bank branch personnel to improve overall customer satisfaction. Maintains the customer relationships that were developed by the loan originators including Bank branch personnel and the Business Development and Underwriter and the Loan Underwriters 1 and 2.
Acts as a primary credit decision entity for loans in the department and provides leadership and guidance to developing Underwriters. Typically, the incumbent has a higher level of lending authority.
Resolves customer and branch complaints or problems by investigating the complaint including obtaining facts, documenting information and proposing solutions that comply with government regulations and are in accordance with established policies and procedures timely and courteously in order to ensure an equitable settlement of the complaint or problem.
Performs operational duties such as ensuring lien perfections and insurance protection and analyzing credit reports according to established loan policies and procedures and in a timely manner to protect the Bank from loss and ensure compliance with established in-house and regulatory requirements.
Provides feedback to management for year end reviews based on observations made while reviewing Retail Lending Underwriter 1 and 2 loan requests that are over their lending authority. Assists in training of new Underwriters and on-going training for existing Underwriter. Fills in when management is out of the office.
Assists in the engagement of a diverse staff to optimize profitability balancing volume and credit adherence and risk management.
Performs other related duties and projects as assigned.
All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation's risk management program.
F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.
Minimum Level of Education Required to Perform the Primary Responsibilities of this Position:
BA or BS
Minimum # of Years of Job Related Experience Required to Perform the Primary Responsibilities of this Position:
7
Skills Required to Perform the Primary Responsibilities of this Position:
Excellent communication skills, both written and verbal
Excellent customer service skills
Detail-oriented
Ability to work and multi-task in a fast paced environment
Excellent organizational, analytical and interpersonal skills
MS Word - Basic Level
MS Word - Intermediate Level
MS PowerPoint - Basic Level
Licensures/Certifications Required to Perform the Primary Responsibilities of this Position:
N/A
Physical Requirements or Work Conditions Beyond Traditional Office Work:
N/A
Equal Employment Opportunity (EEO):
It is the policy of F.N.B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements. FNB provides all applicants and employees a discrimination and harassment free workplace.
Auto-ApplyAssistant Manager of Consumer Loan Underwriting
Loan processor job in Pittsburgh, PA
Primary Office Location: 626 Washington Place. Pittsburgh, Pennsylvania. 15219. Join our team. Make a difference - for us and for your future. Assistant Manager of Loan Underwriting Business Unit: Retail Lending Reports to: Manager of Loan Underwriting
Position Overview:
This position is primarily responsible for leading a team of Loan Underwriters while maintaining production analyzing new loan application requests. The incumbent performs the most complex transactions, provides more in-depth analysis, assists management in training, reviews loan requests over Loan Underwriters 1 and 2 lending authority. The incumbent plays a major role in the acquisition of loan assets utilizing appropriate risk management discipline and provides feedback for end of year reviews based on observations in loan reviews.
Primary Responsibilities:
Reviews loan applications from consumers and small businesses within the Bank's delivery channels or directly through dealer channels to evaluate a degree of risk involved and determines the acceptance of applications. Verifies all application information for accuracy and completeness though validation of loan data against documentation provided.
Develops and administers a portfolio of loans by analyzing applications and credit reports obtaining approval for loans that are underwritten within established lending limits. Evaluates the quality of credit applications in order to originate a profitable loan portfolio, protect the Bank from loss and to provide the highest quality of service to deliver best in class loan fulfillment services.
Meets or exceeds the Bank's credit quality, profitability, growth and service objectives without compromising quality according to established guidelines and procedures and measured by an acceptable delinquency ratio, net charge-off and growth goals in order to originate a profitable portfolio.
Develops partnerships with loan processors and Bank branch personnel to improve overall customer satisfaction. Maintains the customer relationships that were developed by the loan originators including Bank branch personnel and the Business Development and Underwriter and the Loan Underwriters 1 and 2.
Acts as a primary credit decision entity for loans in the department and provides leadership and guidance to developing Underwriters. Typically, the incumbent has a higher level of lending authority.
Resolves customer and branch complaints or problems by investigating the complaint including obtaining facts, documenting information and proposing solutions that comply with government regulations and are in accordance with established policies and procedures timely and courteously in order to ensure an equitable settlement of the complaint or problem.
Performs operational duties such as ensuring lien perfections and insurance protection and analyzing credit reports according to established loan policies and procedures and in a timely manner to protect the Bank from loss and ensure compliance with established in-house and regulatory requirements.
Provides feedback to management for year end reviews based on observations made while reviewing Retail Lending Underwriter 1 and 2 loan requests that are over their lending authority. Assists in training of new Underwriters and on-going training for existing Underwriter. Fills in when management is out of the office.
Assists in the engagement of a diverse staff to optimize profitability balancing volume and credit adherence and risk management.
Performs other related duties and projects as assigned.
All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation's risk management program.
F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.
Minimum Level of Education Required to Perform the Primary Responsibilities of this Position:
BA or BS
Minimum # of Years of Job Related Experience Required to Perform the Primary Responsibilities of this Position:
7
Skills Required to Perform the Primary Responsibilities of this Position:
Excellent communication skills, both written and verbal
Excellent customer service skills
Detail-oriented
Ability to work and multi-task in a fast paced environment
Excellent organizational, analytical and interpersonal skills
MS Word - Basic Level
MS Word - Intermediate Level
MS PowerPoint - Basic Level
Licensures/Certifications Required to Perform the Primary Responsibilities of this Position:
N/A
Physical Requirements or Work Conditions Beyond Traditional Office Work:
N/A
Equal Employment Opportunity (EEO):
It is the policy of F.N.B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements. FNB provides all applicants and employees a discrimination and harassment free workplace.
Auto-ApplyLoan Closer
Loan processor job in Pittsburgh, PA
Primary Office Location: 626 Washington Place. Pittsburgh, Pennsylvania. 15219. Join our team. Make a difference - for us and for your future. Loan Closer Business Unit: Mortgage Administration Reports To: Manager of Mortgage Closing
This position is primarily responsible monitoring CD dates, generating CD's and ensuring that CDs are executed in a timely fashion to enable us to honor settlement dates. The position also is responsible for preparing closing documents and net funding of the mortgage loan, as well as Closing Coordination. The incumbent provides the highest quality of customer service to every customer, both internal and external. Manages the settlement agent portal and validating disclosure histories via Smart LE.
Primary Responsibilities:
Prepares all Bank prepared legal documents required to close residential mortgage loans including the note, mortgage, riders, final Real Estate Settlement Procedures Act (RESPA) documents, escrow analysis forms, amortization schedules, etc. Prepares the Closing Disclosure in a timely manner in order to protect the customers ability to settle the transaction on time.
Performs federally required Home Owners Equity Protection Act (HOEPA) and Higher Priced Mortgage Loans (HPML), TILA test on each loan, analyzes results to determine necessary steps to bring the loan into compliance and complies with federal TRID regulations regarding settlement costs and curing any deficiencies. Responsible for all changes and documentation under new TRID rules.
Reviews and understands the attorney prepared legal documents for errors and omissions, detects inconsistencies and either cures the defects or instructs the settlement agent on how to cure the defect. Coordinates settlement through the closing portal with to procure fees and information as needed to prepare CD's and Documents.
Determines if the settlement agent properly prepared the Deed, Subordination Agreement and any other attorney prepared legal documents and notifies the settlement agent immediately to make corrections prior to funds being released by the Bank.
Reviews the homeowner's insurance policy for adequate coverage and mortgagee clause. Performs the initial escrow analysis using information contained on the tax and insurance information sheet. Prepares the net funding of the loan to the settlement agent by either preparing general ledger tickets, preparing block entries on ITI or initiating a wire transfer.
Monitors the system for Consent of electronic delivery, disclosure timing, waiting periods, redisclosures and rescheduling closings as necessary to adhere to TRID regulatory requirements.
Performs other related duties and projects as assigned.
All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation's risk management program. F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.
Minimum Education:
High School or GED
Minimum Years Experience:
3
Special Skills:
Excellent communication skills, both written and verbal
Excellent organizational, analytical and interpersonal skills
Detail-oriented
Ability to use general office equipment
Ability to use a personal computer and job-related software
MS Word - Intermediate Level
MS Excel - Intermediate Level
MS PowerPoint - Basic Level
Experience in mortgage loan closing or equivalent type of functional work
Special Licenses and Certificates:
N/A
Physical Requirements:
N/A
Equal Employment Opportunity (EEO):
It is the policy of F.N.B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements. FNB provides all applicants and employees a discrimination and harassment free workplace.
Auto-ApplyLoan Closer
Loan processor job in Pittsburgh, PA
Primary Office Location:626 Washington Place. Pittsburgh, Pennsylvania. 15219.Join our team. Make a difference - for us and for your future.
Loan Closer Business Unit: Mortgage Administration Reports To: Manager of Mortgage Closing
Position Overview:
This position is primarily responsible monitoring CD dates, generating CD's and ensuring that CDs are executed in a timely fashion to enable us to honor settlement dates. The position also is responsible for preparing closing documents and net funding of the mortgage loan, as well as Closing Coordination. The incumbent provides the highest quality of customer service to every customer, both internal and external. Manages the settlement agent portal and validating disclosure histories via Smart LE.
Primary Responsibilities:
Prepares all Bank prepared legal documents required to close residential mortgage loans including the note, mortgage, riders, final Real Estate Settlement Procedures Act (RESPA) documents, escrow analysis forms, amortization schedules, etc. Prepares the Closing Disclosure in a timely manner in order to protect the customers ability to settle the transaction on time.
Performs federally required Home Owners Equity Protection Act (HOEPA) and Higher Priced Mortgage Loans (HPML), TILA test on each loan, analyzes results to determine necessary steps to bring the loan into compliance and complies with federal TRID regulations regarding settlement costs and curing any deficiencies. Responsible for all changes and documentation under new TRID rules.
Reviews and understands the attorney prepared legal documents for errors and omissions, detects inconsistencies and either cures the defects or instructs the settlement agent on how to cure the defect. Coordinates settlement through the closing portal with to procure fees and information as needed to prepare CD's and Documents.
Determines if the settlement agent properly prepared the Deed, Subordination Agreement and any other attorney prepared legal documents and notifies the settlement agent immediately to make corrections prior to funds being released by the Bank.
Reviews the homeowner's insurance policy for adequate coverage and mortgagee clause. Performs the initial escrow analysis using information contained on the tax and insurance information sheet. Prepares the net funding of the loan to the settlement agent by either preparing general ledger tickets, preparing block entries on ITI or initiating a wire transfer.
Monitors the system for Consent of electronic delivery, disclosure timing, waiting periods, redisclosures and rescheduling closings as necessary to adhere to TRID regulatory requirements.
Performs other related duties and projects as assigned.
All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation's risk management program. F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.
Minimum Education:
High School or GED
Minimum Years Experience:
3
Special Skills:
Excellent communication skills, both written and verbal
Excellent organizational, analytical and interpersonal skills
Detail-oriented
Ability to use general office equipment
Ability to use a personal computer and job-related software
MS Word - Intermediate Level
MS Excel - Intermediate Level
MS PowerPoint - Basic Level
Experience in mortgage loan closing or equivalent type of functional work
Special Licenses and Certificates:
N/A
Physical Requirements:
N/A
Equal Employment Opportunity (EEO):
It is the policy of F.N.B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements. FNB provides all applicants and employees a discrimination and harassment free workplace.
Auto-Apply