Loan servicing specialist jobs in Missouri City, TX - 72 jobs

Role: The Commercial Loan Servicer is responsible for the post-closing servicing of commercial loans in accordance with credit union policy, loan agreements, and applicable regulatory requirements. This role performs accurate loan setup in lending software, ongoing compliance with regulations and loan documents, and servicing of both direct and participation loans. Other important duties are supporting Relationship Managers and providing a high level of service to business members. Essential Functions & Responsibilities: Loan Servicing & System Administration: Set up and maintain commercial loan accounts in Lending software as well as the core system following loan closing. Process payments, advances, rate changes, renewals, modifications, extensions, and payoffs in lending software. Ensure accurate, interest calculations and accruals, and payment application in lending software. Maintain loan servicing activities in compliance with approved loan terms and internal controls. Covenant, Tickler & Compliance Monitoring: Track and monitor financial covenants, reporting requirements, insurance, taxes, and collateral documentation. Review required financial statements and compliance items for completeness and timeliness. Identify, document, and escalate covenant exceptions or servicing deficiencies in accordance with policy. Documentation & Record Maintenance: Maintain complete and accurate electronic loan files in accordance with credit union policy and regulatory standards. Ensure collateral records, UCC filings, and lien positions are properly recorded, tracked, and updated. Coordinate with legal counsel, title companies, and third-party vendors as needed. Participation Loan Servicing: Service participation loans in accordance with participation agreements and servicing standards. Prepare and distribute participant reports, remittances, and interest allocations accurately and timely. Maintain clear communication with participants regarding loan performance, covenant compliance, and exceptions. Support participant audits, loan reviews, and information requests. Member & Internal Support: Serve as a point of contact for business members and internal lending staff. Support Commercial Relationship Managers and Credit Administration with servicing and documentation requests. Provide timely, professional service while maintaining confidentiality and data integrity. Regulatory, Audit & Quality Control Support: Assist with internal audits, regulatory exams, and loan reviews. Ensure servicing practices align with NCUA regulations, credit union policy, and sound risk management standards. Participate in quality control reviews to ensure accuracy and consistency of loan servicing data. Performance Measurements: To carry out assigned responsibilities with minimum number of errors according to established department standards. To prepare reports in a timely accurate manner. To ensure all data entry for loans made with zero errors. To provide informed, professional and accurate service and support to all members and associates. Knowledge and Skills: Experience - Minimum 2 years of commercial loan servicing, loan operations, or commercial lending experience. Credit union experience and participation loan servicing experience preferred Education - High school diploma required; associate or bachelor's degree preferred. Interpersonal Skills - 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 higher degree of confidentiality and discretion, requiring diplomacy and tact in communication Other Skills Strong organizational and communication skills. Ability to interpret loan documents and servicing provisions. Sound judgment and ability to escalate issues appropriately. This position supports compliance with applicable NCUA regulations, internal policies, and generally accepted servicing practices, including documentation standards, covenant monitoring, participation servicing, and audit readiness.

Zions Bancorporation is one of the nation's premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by American Banker as one of the "Best Banks to Work For" and as having a top banking team in its list of "The Most Powerful Women in Banking." Our customers consistently vote us as the best bank in our local markets., We value our employees, and we are committed to search out, recognize and create fulfilling opportunities for outstanding people within our organization, rewarding them for their contributions to our success. We recognize that banking is a "local" business, and that to be successful, we must have very strong ties to the communities we serve and strong relationships with our customers. With benefits starting on day one, 12 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is dedicated to being an employer of choice in our communities. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity. We are currently seeking a Loan Disbursement Specialist to join our Construction Disbursements Team located in downtown Salt Lake City, Utah. The Construction Disbursement Administration (CDA) group is responsible for managing roughly 200 commercial construction projects simultaneously. We work with multiple departments around the Bancorp to ensure that construction is progressing properly and all agreements within the loan documentation are being followed by all parties. We have currently switched to a new construction monitoring system and are working to streamline and improve our processes in all aspects of construction monitoring. The Salt Lake City group works closely with one another and we maintain a collaborative mentality when monitoring the construction loans assigned to us. We are looking for someone who is willing to work hard and jump in with both feet into our team and help us maintain our high standards of service within the department. The Disbursement Specialist will: * Review, analyze and process customer loan draws for commercial and residential construction projects, loan fund disbursements, equity draws, etc., including review of invoices, lien waivers, and budget. * Prepare payoff quotes, credit bids, default letters and loan modifications. * Schedule and direct pre-construction discussion with Borrower, Builder, and RM when requested. * Administer participation loans, coordinate with participating/lead bank(s). * Order, input, and review inspection reports. * Updates and maintains various reports and ticklers for loan maintenance. * Assists with and may serve as liaison with lenders, loan administration, and outside vendors. * Monitor and may process interest rate changes. * Review loans for past due status, insurance coverage, tickler exceptions, etc. * Ensure loan administration is consistent with loan documents, bank and department policies and procedures. * Other duties as assigned. Requirements: * Some experience with commercial, construction or loan servicing process and procedures, loan documentation or processing or other directly related experience. * Basic knowledge of lending disbursement processes, procedures and loan documentation. * Basic knowledge of standard construction budget and loan servicing practices and techniques. * Must have good audit, problem solving, data entry and customer service skills. * Ability to review and process data per loan documentation. * Good time management and organizational skills. * Must be accurate, detail oriented and able to multi-task. * Good communication skills, both verbal and written. * Basic knowledge of computer software programs such as word, excel, etc. * Requires High School Degree or Equivalent * A combination of education and experience may meet job requirements. Location: This position is 5 days in-office and can be filled at our downtown office in any of the following locations: * Phoenix, AZ * Irvine, CA * Houston, TX * Salt Lake City, UT Pay range (depending on location and experience): $19-32/hr Benefits: * Medical, Dental and Vision Insurance - START DAY ONE! * Life and Disability Insurance, Paid Parental Leave and Adoption Assistance * Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts * Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays * 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience * Mental health benefits including coaching and therapy sessions * Tuition Reimbursement for qualifying employees * Employee Ambassador preferred banking products Apply now if you have a passion for impactful outcomes, enjoy working collaboratively with co-workers, and want to make a difference for the clients and communities we serve.

Zions Bancorporation is one of the nation's premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by American Banker as one of the "Best Banks to Work For" and as having a top banking team in its list of "The Most Powerful Women in Banking." Our customers consistently vote us as the best bank in our local markets., We value our employees, and we are committed to search out, recognize and create fulfilling opportunities for outstanding people within our organization, rewarding them for their contributions to our success. We recognize that banking is a "local" business, and that to be successful, we must have very strong ties to the communities we serve and strong relationships with our customers. With benefits starting on day one, 12 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is dedicated to being an employer of choice in our communities. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity. We are currently seeking a Loan Disbursement Specialist to join our Construction Disbursements Team located in downtown Salt Lake City, Utah. The Construction Disbursement Administration (CDA) group is responsible for managing roughly 200 commercial construction projects simultaneously. We work with multiple departments around the Bancorp to ensure that construction is progressing properly and all agreements within the loan documentation are being followed by all parties. We have currently switched to a new construction monitoring system and are working to streamline and improve our processes in all aspects of construction monitoring. The Salt Lake City group works closely with one another and we maintain a collaborative mentality when monitoring the construction loans assigned to us. We are looking for someone who is willing to work hard and jump in with both feet into our team and help us maintain our high standards of service within the department. The Disbursement Specialist will: * Review, analyze and process customer loan draws for commercial and residential construction projects, loan fund disbursements, equity draws, etc., including review of invoices, lien waivers, and budget. * Prepare payoff quotes, credit bids, default letters and loan modifications. * Schedule and direct pre-construction discussion with Borrower, Builder, and RM when requested. * Administer participation loans, coordinate with participating/lead bank(s). * Order, input, and review inspection reports. * Updates and maintains various reports and ticklers for loan maintenance. * Assists with and may serve as liaison with lenders, loan administration, and outside vendors. * Monitor and may process interest rate changes. * Review loans for past due status, insurance coverage, tickler exceptions, etc. * Ensure loan administration is consistent with loan documents, bank and department policies and procedures. * Other duties as assigned. Requirements: * Some experience with commercial, construction or loan servicing process and procedures, loan documentation or processing or other directly related experience. * Basic knowledge of lending disbursement processes, procedures and loan documentation. * Basic knowledge of standard construction budget and loan servicing practices and techniques. * Must have good audit, problem solving, data entry and customer service skills. * Ability to review and process data per loan documentation. * Good time management and organizational skills. * Must be accurate, detail oriented and able to multi-task. * Good communication skills, both verbal and written. * Basic knowledge of computer software programs such as word, excel, etc. * Requires High School Degree or Equivalent * A combination of education and experience may meet job requirements. Location: This position is 5 days in-office and can be filled at our downtown office in any of the following locations: * Phoenix, AZ * Irvine, CA * Houston, TX * Salt Lake City, UT Pay range (depending on location and experience): $19-32/hr Benefits: * Medical, Dental and Vision Insurance - START DAY ONE! * Life and Disability Insurance, Paid Parental Leave and Adoption Assistance * Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts * Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays * 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience * Mental health benefits including coaching and therapy sessions * Tuition Reimbursement for qualifying employees * Employee Ambassador preferred banking products Apply now if you have a passion for impactful outcomes, enjoy working collaboratively with co-workers, and want to make a difference for the clients and communities we serve.

Zions Bancorporation is one of the nation's premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by American Banker as one of the "Best Banks to Work For" and as having a top banking team in its list of "The Most Powerful Women in Banking." Our customers consistently vote us as the best bank in our local markets., We value our employees, and we are committed to search out, recognize and create fulfilling opportunities for outstanding people within our organization, rewarding them for their contributions to our success. We recognize that banking is a "local" business, and that to be successful, we must have very strong ties to the communities we serve and strong relationships with our customers. With benefits starting on day one, 12 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is dedicated to being an employer of choice in our communities. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity. We are currently seeking a Loan Disbursement Specialist to join our Construction Disbursements Team located in downtown Salt Lake City, Utah. The Construction Disbursement Administration (CDA) group is responsible for managing roughly 200 commercial construction projects simultaneously. We work with multiple departments around the Bancorp to ensure that construction is progressing properly and all agreements within the loan documentation are being followed by all parties. We have currently switched to a new construction monitoring system and are working to streamline and improve our processes in all aspects of construction monitoring. The Salt Lake City group works closely with one another and we maintain a collaborative mentality when monitoring the construction loans assigned to us. We are looking for someone who is willing to work hard and jump in with both feet into our team and help us maintain our high standards of service within the department. The Disbursement Specialist will: * Review, analyze and process customer loan draws for commercial and residential construction projects, loan fund disbursements, equity draws, etc., including review of invoices, lien waivers, and budget. * Prepare payoff quotes, credit bids, default letters and loan modifications. * Schedule and direct pre-construction discussion with Borrower, Builder, and RM when requested. * Administer participation loans, coordinate with participating/lead bank(s). * Order, input, and review inspection reports. * Updates and maintains various reports and ticklers for loan maintenance. * Assists with and may serve as liaison with lenders, loan administration, and outside vendors. * Monitor and may process interest rate changes. * Review loans for past due status, insurance coverage, tickler exceptions, etc. * Ensure loan administration is consistent with loan documents, bank and department policies and procedures. * Other duties as assigned. Requirements: * Some experience with commercial, construction or loan servicing process and procedures, loan documentation or processing or other directly related experience. * Basic knowledge of lending disbursement processes, procedures and loan documentation. * Basic knowledge of standard construction budget and loan servicing practices and techniques. * Must have good audit, problem solving, data entry and customer service skills. * Ability to review and process data per loan documentation. * Good time management and organizational skills. * Must be accurate, detail oriented and able to multi-task. * Good communication skills, both verbal and written. * Basic knowledge of computer software programs such as word, excel, etc. * Requires High School Degree or Equivalent * A combination of education and experience may meet job requirements. Location: This position is 5 days in-office and can be filled at our downtown office in any of the following locations: * Phoenix, AZ * Irvine, CA * Houston, TX * Salt Lake City, UT Pay range (depending on location and experience): $19-32/hr Benefits: * Medical, Dental and Vision Insurance - START DAY ONE! * Life and Disability Insurance, Paid Parental Leave and Adoption Assistance * Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts * Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays * 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience * Mental health benefits including coaching and therapy sessions * Tuition Reimbursement for qualifying employees * Employee Ambassador preferred banking products Apply now if you have a passion for impactful outcomes, enjoy working collaboratively with co-workers, and want to make a difference for the clients and communities we serve.

Sr. Commercial Loan Closer/Servicer - To $85K - Houston, TX - Job # 3629Who We AreThe Symicor Group is a boutique talent acquisition firm based in Schaumburg, IL & Rockport, TX. Our nationally unique value proposition centers around providing the very best available banking and accounting talent. In fact, most of our recruiters are former bankers or accountants themselves! We know how to evaluate the very best banking and accounting talent available in the market. Whether you are a candidate seeking a new opportunity or a bank or company president trying to fill an essential position, The Symicor Group stands ready to deliver premium results for you.The PositionOur bank client is seeking to fill a Sr. Commercial Loan Closer/Servicer role located in the Houston, TX area. The position is responsible for performing various loan operations department functions to ensure the efficient operation of the area.The opportunity has a generous salary of up to $85K and a benefits package. (This is not a remote position).Sr. Commercial Loan Closer/Servicer responsibilities include: Preparing commercial loan documents for closing (LaserPro) Work with outside attorneys to draft loan documents as needed. Verifying accuracy of all loan documents prior to loan closing Preparing post-closing document review (terms and conditions) Processing loan payments and loan advances accurately and in a timely manner. Responding to internal and external customers regarding loan inquiries. Performing second-day review of multiple transactions to verify accuracy. Reconciliation of bank-controlled accounts. Authenticating client wire instructions. Initiating loan funding by deposit, check, or wire. Providing administration support to staff as required. Supporting invoice processing including entry in various forms, distribution, and scanning or photocopying. Responding to customer service calls and inquiries. Other duties as assigned. Who Are You? You're someone who wants to influence your own development. You're looking for an opportunity where you can pursue your interests and your passion. Where a job title is not considered the final definition of who you are, but merely the starting point for your future.You also bring the following skills and experience: High school diploma or equivalent. One or more years of loan operations experience. Accounting experience preferred. Knowledge or experience with Fiserv and Doc Links is a plus. Ability to effectively multitask and prioritize workflow in a high-volume environment. Excellent written and verbal communication skills. Exercises good judgment. Proficient in Microsoft Office Applications. The next step is yours. Email us your current resume along with the position you are considering to:************************

The Loan Collateral Specialist position is responsible for monitoring/clearing collateral document tracking/exceptions. The position also includes recording new liens, UCC continuations, monitor negotiable collateral and release of liens. Supporting Lending team with document exception questions. ESSENTIAL DUTIES AND RESPONSIBILITIES Process recording of lien instruments for new/renewal loans in Lien Solutions. Monitor Loan Collateral ASK desk for clearing collateral related ticklers/exceptions. Process incoming mail from postal service, interoffice, and email for clearing exceptions. Analyze Lien Solution reports for lien expirations and process continuations. Maintains the Negotiable collateral and periodic audit of collateral vault. Assist as need with the following: Set up collateral documentation tracking/exception items in Sageworks. Set up tax monitoring for real estate loans with Accumatch. Responds to email and telephone communication as needed to support lending staff. Compliance with any and all BSA/AML/CFT and Sanctions requirements set forth by Bank Policy and Procedure, including but not limited to timely completion of assigned training. SECONDARY DUTIES The position performs duties specific to the position and other functions as assigned by management. SUPERVISORY RESPONSIBILITY This position is not responsible for the supervision of staff. ENVIRONMENT AND PHYSICAL ACTIVITY The incumbent is in a non-confined office setting in which they are free to move about at will. In the course of performing the duties and responsibilities of this position spends time writing, speaking, listening, lifting (up to 25 pounds), sitting, typing on a computer keyboard, and standing, kneeling and reaching. The incumbent for this position may operate any or all of the following: telephone, copy and fax machine, adding machine, computer and related printers. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential function of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The incumbent in this position must be able to read documents or instruments, detailed work, problem solving, customer contact, reasoning, math, verbal and written communication, analytical reasoning, multiple tasks with constant interruptions. MINIMUM REQUIREMENTS High School Diploma and 5 years of related experience; or the equivalent combination of education and experience. Work related experience must consist of Loan Operations department or Lending Assistant with processing/preparing loan documentation to secure commercial, consumer and real estate loans. Educational experience, through formal school or financial industry related curriculum, is required to be applicable to the financial industry. Bachelor's degree preferred

Take your career to the next level! In the last few years our goal has been expansion, creating growth opportunities for many of our team members. Not only are we serious about growth, but we are also serious about helping our customers during hard financial times. We take pride in providing solutions and offering a helping hand, not only to our customers but also to the communities we serve. As we continue to expand and grow into a national leader in consumer financing, we invite you to consider joining our team. If you're passionate about making a meaningful impact in people's lives and bringing a personal touch to finance, we'd love to have you on board! Regional Finance is hiring! We are looking for talented and driven individuals to join our team. Take the next step in your career and click that apply button! Job Intro The core of a Loan Specialist is being customer oriented. If you are interested in helping others in their time of need, then this is the career you have been looking for! Why work at Regional? Regional offers competitive pay! We do our best to show that we value our team members! You are eligible for a monthly bonus. Who doesn't love a nice cash reward for their hard work? You will have promotion opportunities. We love to train our Loan Specialists into future Branch Managers! All full-time team members have access to our medical, dental, vision and 401(k) benefits! Pays an average of $41,000, this amount can vary based on your location and cost of living adjustments! Duties and responsibilities Provide exceptional service to all customers. Process credit loan applications and use product knowledge to present loan solutions to current and potential customers. Maintain office cash with accuracy and proper security. Grow account volume through good judgment and effective customer solicitations in the branch and by telephone. Minimize delinquent debt through calling customers and collecting on past-due accounts. Receive, track, and post all payments and fees to customer accounts in compliance with Company Policy. Transport money and deposits to and from bank. Other duties as assigned by leadership. Minimum Qualifications High School Diploma or Equivalent. Prior customer service experience in either a sales/retail environment or cash management environment. Must pass drug screen, criminal and credit background checks. Valid Driver's License and access to a dependable automobile with liability insurance coverage. Critical Competencies Demonstrated passion for customer service. Excellent written and verbal communication skills. Customer service minded with a personality that relates well with a broad spectrum of people, including external customers, branch colleagues, and corporate co-workers. Thrives in a pay for performance atmosphere. Proven ability to multi-task. High degree of integrity. Sales mentality. Adaptable to an ever-changing environment. Working conditions This position works in an office providing consumer loan products in person and over the phone. The typical working hours are 8:30am to 5:30pm Monday through Friday with some Saturdays required. Overtime may be required on an as needed basis and is at the discretion of upper management. If you are a job applicant who resides in the state of California, please review our California Employee Privacy Policy at the following link: ************************************************************************************************** #RGNL Regional is an equal opportunity employer and does not discriminate on the basis of race, color, religion, creed, national origin, sex (including pregnancy, childbirth, and related medical conditions), sexual orientation, gender identity, transgender status, age, disability, genetic information, veteran status, uniform service, or any other characteristic protected by applicable law (“Protected Characteristics”). Regional's policy of non-discrimination applies to all phases of the employment process and relationship, including, but not limited to, recruitment and selection; compensation and benefits; professional development and training; promotions and opportunities; transfers; social and recreational programs; layoff; and terminations.

General The Mortgage Loan Processor (MLP) is responsible for processing all real estate applications originated by the Mortgage Loan Officers in accordance with internal credit union policies, procedures, and guidelines. Applications include conventional purchase money, refinance, cash-out refinance, home equity and home improvement loans. Most loans are retained in the credit union's portfolio, but others are sold on the secondary market. This is an extensive member service-oriented position with primary responsibilities for the accurate processing, validating information and documentation, and timely closing a mortgage loan file. MLP's must have the ability to maintain effective communication with the member to ensure coordination and exchange of information for accomplishing the closing of the member's real estate loan. This position will also include some crossover into closing, funding, post-closing, and administrative job duties. Duties & Responsibilities Have thorough knowledge of first and second mortgage real estate lending practices, including federal regulatory requirements, state regulations and agency requirements. Have a thorough understanding of conventional and special mortgage loan programs and knowledge of the necessary documentation for processing and obtaining underwriting approval. Review Desktop Underwriter verification messages/approval conditions. Verify the accuracy and integrity of all loan data entered into the system including but not limited to names, addresses, government monitoring information, loan information (i.e. loan amount, interest, terms, lock-in expiration dates, etc.) Communicate with members to provide them with an overview of the process and inform the member of information and documentation necessary to process the loan. Conduct follow-up on outstanding documentation to ensure receipt to keep file on track for a timely closing. Order from closing document attorney and/or preparing loan closing documents to prepare for loan closings. Disclose Closing Disclosures within TRID guidelines, validating information, reconcile loan fees and charges with title companies, attorney's offices, appraisers, surveyors, etc., and accurately perform funding transactions to disburse funds to Borrowers and/or title companies. Maintain quality within the department by following operational policies and procedures, reporting needed changes, and compliance with Federal regulations. Manage relationships with vendors including title companies, mortgage insurance companies, document attorney, and appraisal management companies. The MLP is expected to be flexible with respect to duties, scheduling, and periodically completing duties that may be outside their normal job description. Job Requirements Must register with the National Mortgage Licensing System High school graduate with 5 years experience in mortgage lending with at least 2 years as a Mortgage Loan Processor Strong verbal and written communication skills Strong organizational and planning skills Provide friendly, prompt, professional and accurate service and support to all members and associates Maintain a dependable record of attendance and timeliness. Ability to work evenings and weekends if needed. Knowledge of software and hardware necessary to conduct business in a credit union environment, including, but not limited to: multiple line telephones, fax machine, voicemail, Outlook based electronic mail and calendars, E-Fax, Windows, Microsoft Office (Word, Excel, and PowerPoint) Knowledge and familiarity with Calyx loan origination system strongly preferred Bilingual in Spanish is a plus. Physical/Mental Requirements Of The Position: 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 the job, the employee is regularly required to stand, sit, use hands, reach with hands and arms, kneel, crouch, and talk and hear. Ability to move and/or lift 10 pounds. The vision requirements include close vision and ability to adjust focus. The mental demands include detailed work, reasoning, math, language, written and verbal communications, multiple concurrent tasks.

ProLending Mortgage, LLC. provides Home Loans for Houston and the surrounding areas of Texas. We're committed and dedicated to making your loan process as easy and simple as possible. If you have any questions or you would like to talk to us about your loan or you're pre-qualification, please contact us today. We're here to help and serve you! Job Description ProLending Mortgage is currently looking for a reliable Loan Processor to perform appraisals of individual loans in Texas. You will undertake an intermediary role between potential clients and our financial institution. The goal is to help qualified applicants obtain loans in a timely manner and protect our organization's credibility. Loan processor duties and responsibilities will include analysis, appraisal and evaluation of loan applicants, as well as writing and finalizing contracts. Our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come. Unlike many of the larger nationwide mortgage companies that are out there, all your information will be kept secure and private. Responsibilities • Perform initial appraisal of potential borrowers by thoroughly examining their applications • Assess the credit standings of applicants through background research • Interview applicants to evaluate their eligibility for loan or mortgage • Conclude on all applicable financial and non-financial criteria and develop loan repayment plans • Follow up with clients to clarify important points • Give the “green light” to eligible candidates and report decisions with sound arguments • Finalize loan contracts and keep clients informed in rules and obligations • Remain up to speed regarding lending and other financial services • Identify customer needs, explore all options and suggest different types of loans • Cultivate trustworthy referral networks, suggest alternate channels and cross-sell products and services • Forge trust relationships and enhance customer dedication • Work within established regulations and adhere to law requirements at all times Qualifications Requirements • Proven working experience in a loan processor role, at least 2 years is preferred. • Good knowledge of banking computer software and MS Office • Comprehension of direct/indirect lending procedures • In-depth understanding of relevant rules and regulations • Balance between customer satisfaction orientation and a results driven approach • A degree in finance, economics, or a related field is preferred Additional Information All your information will be kept confidential according to EEO guidelines.

JOB TITLE: Loan Processor SUMMARY: This position is responsible for obtaining necessary information (i.e., loan applications, credit documents, appraisals, etc.) to process and complete mortgage loan files. DUTIES AND RESPONSIBILITIES: Reviews loans in process daily and determines which loans must be processed immediately. Performs document audit to approve or reject each loan package for funding. Resolves any exceptions with customer prior to funding. Administers the timely daily disbursement and receipt of funds. Enters data from new loan applications and other documents into computer system. Orders credit reports, appraisals, flood certifications, and title work. Refers loans that do not meet basic standards to staff underwriter. Provides follow-up on a consistent basis with originators, borrowers, and agents to complete processing. Analyzes loan files and submits completed loans for approval. Responds to inquiries from originators, agents, and borrowers regarding status of loans in process. Completes loan sheets and conversion logs. Ensures regulatory compliance. Creates and maintains loan files. Processes approval and denial letters. Maintains status of all files in process and updates as needed. Keeps abreast of all FHA, VA, and conventional guidelines and changes that may affect loan status. Completes all required paperwork and forms in a timely and accurate manner; prepares all required reports. QUALIFICATIONS: High school diploma or general education degree (GED) 1-2 years of related experience. Computer skills required: Microsoft Office Suite and Encompass preferred. COMPETENCIES: Adaptability - Adapts to changes in the work environment; manages competing demands. Customer Service - Manages difficult or emotional customer situations; responds promptly to customer needs; solicits customer feedback to improve service; meets commitments. Ethics - Treats people with respect; keeps commitments. Interpersonal Skills - Focuses on solving conflict, maintains confidentiality. Oral Communication - Speaks clearly and persuasively in positive or negative situations; responds well to questions. Planning/Organizing - Prioritizes and plans work activities; uses time efficiently. Problem Solving - Identifies and resolves problems in a timely manner; gathers and analyzes information skillfully; works well in group problem solving situations. Written Communication - Writes clearly and informatively. Disclaimer: This position description highlights a general description of duties and responsibilities. Employee(s) may be assigned other duties, in addition to or in lieu of those described herein, and any duties are subject to change at any time, according to the needs of the location or Company.

Job DescriptionMtg. Servicing System Admin/Reporting Specialist. Key point of contact for all loan software programs dedicated to the Mortgage Servicing team and vendor relationships. Primary security administration responsibilities for all systems, vendors, and portal access needs of the growing Servicing team. Actively working with, communicating to, and ensuring regular coordination with IT. Key data point of contact for Servicing leadership and Credit Union partners. ESSENTIAL DUTIES and PERCENT OF TIME SPENT: Design, develop, and publish dashboards and reports tailored for internal department and client needs. Set up, scheduling, and distribution of canned reports in MSP, the system of record Establish naming conventions and standardization/retention protocols for ease of team use and retention. Ad hoc reporting requests of Credit Union partners, Regulators, and Investors. Establish ticketing system to assist in the administration of reporting requests. Monitor system of record fixes/enhancements for coordination with team members, procedure updates, and needed client communication. Primary Access security administrator for all servicing-related systems, vendors, and portals Oversight of the vendor relationship responsible for the bursting and distribution of canned client system reports. Oversight of the vendor relationship responsible for QC Oversight of the Servicing function. Ensuring timely delivery of transaction files to ensure testing as required by agency guidelines. Collaborate closely with partner Credit Unions to provide status updates and requested reporting. Administers testing and rollout of upgrades and releases prior to uploading to production. Continuously seek process improvement, including streamlining and automating of manual processes KNOWLEDGE AND SKILLS: Prior MSP experience is a plus. Attention to detail. Problem-solving and strong organizational skills. Ability to work independently and manage time effectively. Effective communication and collaboration skills. EXPERIENCE: Bachelor's degree or related experience required. 3 to 5 years of mortgage Servicing experience. Proficiency in MS Office and advanced Excel skills. Work Environment: In-office with the possibility of hybrid remote. Compensation & Benefits Competitive salary Comprehensive benefits package including medical, dental, life, and disability coverage. 401(k) with employer match Business-casual environment with growth and advancement opportunities. Powered by JazzHR KcQ8ijBm3c

American Home Saver-TX. Mortgage Assistance "We Help Make the American Dream an Affordable Reality" American Home Saver is a Home Mortgage Modification Company that has been in the business of helping homeowners with making the American Dream of Home Ownership an Affordable Reality since 2005. Our experience in processing loan modifications has placed us in the top 1% of modification company's in the nation with a 95% success ratio. Our processing staff are experts in knowing the guidelines for FNMA, FLMC, FHA, VA and CONV modifications to include HAMP and HAUP. Visit us @ ************************* Job Description American Home Saver offers the opportunity for you to start a business part-time, while maintaining the security of your full-time job. Regardless of whether you love what you're doing now, and simply need to earn additional income - or if you want to launch an entire new career - American Home Saver offers you the flexibility to decide what's best for you. American Home Saver lets you start part-time to earn a second income, or transition to a new full-time career while you keep your current full-time job. American Home Saver is a company of people helping people. As a Mortgage Modification Specialist (1099 Independent Contractor) you will be meeting face to face with homeowners that are delinquent on their mortgage and facing foreclosure (received NOD) or imminent default (no lates, but struggling to make their payments) . Your responsibility will be to fully explain how the American Home Saver-Texas Mortgage Assistance Program can help them save their home and get back on their feet. You will collect all documentation required to complete the Home Affordable Modification Program (HAMP) paystubs, mortgage statement, bank statement W-2. We will provided you with a minimum of 5 pre-qualified leads per week, however you are allowed to share our services with anyone that may be in need. There are no territory restrictions. Qualifications We are seeking individuals with a background in Home Loan Preservation to work as a independent contractor with our company. The ideal candidate should have a minimum of 1 year's experience working in Home Preservation or Loss Mitigation with Customer interaction. Must have a high school diploma / GED. Pass a criminal background check, have dependable transportation with proof of current liability insurance, access to a computer and a active smart/android cellular phone. Support: We will provide you with our leading edge web-based technology operating system to give you the tools for success. Additional information Additional Information SALARY: Commensurate with experience with excellent opportunity for advancement.

Zions Bancorporation is one of the nation's premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by American Banker as one of the "Best Banks to Work For" and as having a top banking team in its list of "The Most Powerful Women in Banking." Our customers consistently vote us as the best bank in our local markets., We value our employees, and we are committed to search out, recognize and create fulfilling opportunities for outstanding people within our organization, rewarding them for their contributions to our success. We recognize that banking is a "local" business, and that to be successful, we must have very strong ties to the communities we serve and strong relationships with our customers. With benefits starting on day one, 12 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is dedicated to being an employer of choice in our communities. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity. We are seeking a Loan Closer to join Zions Bancorporation. The Loan Closer plays a key role in completing all due diligence associated with satisfying approval and collateral lien perfection conditions prior to the preparation of loan closing documents. This includes requesting, reviewing, and critically interpreting all third-party documents needed to issue the "clear to close" for various types of loans, including real estate and non-real estate secured loans. Apply now if you have a passion for impactful outcomes, enjoy working collaboratively with co-workers, and want to make a difference for the clients and communities we serve. May reside in one of these locations: AZ, CA, CO, NV, TX, UT The Loan Closer will: * Review loan approvals for closing conditions, regulatory compliance, appropriate lending authority, and lien perfection requirements * Establish conditions to close * Perform all loan closing tasks and proactively interact with sales, portfolio management, underwriting, document preparation, third-party vendors (e.g., title companies, insurance agencies), and bank customers. * Effectively communicate with all parties, including field personnel and customers, which is essential to expedite loan documentation requests while meeting underwriting, bank policy, compliance, and regulatory requirements. * Other duties as assigned Requirements: * 4+ years of loan closing, documentation, processing, or other directly related experience. * Advanced knowledge of loan closing processes and procedures, lending compliance and regulations, loan systems, and loan documentation. * Must be accurate, detail-oriented, and able to multi-task. * Strong problem resolution, audit, customer service (including direct customer contact), and communication skills-both verbal and written. * Solid working knowledge of loan principles and loan systems. * Solid computer skills, including proficiency in word processing and spreadsheet software. * Requires a High School diploma or equivalent. A combination of education and experience may meet requirements. Benefits: * Medical, Dental and Vision Insurance - START DAY ONE! * Life and Disability Insurance, Paid Parental Leave and Adoption Assistance * Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts * Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays * 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience * Mental health benefits including coaching and therapy sessions * Tuition Reimbursement for qualifying employees * Employee Ambassador preferred banking products * This position is eligible to earn a base salary in the range of $23.36 - $40.19/hourly depending on job-related factors such as level of experience and location

Take your career to the next level! In the last few years our goal has been expansion, creating growth opportunities for many of our team members. Not only are we serious about growth, but we are also serious about helping our customers during hard financial times. We take pride in providing solutions and offering a helping hand, not only to our customers but also to the communities we serve. As we continue to expand and grow into a national leader in consumer financing, we invite you to consider joining our team. If you're passionate about making a meaningful impact in people's lives and bringing a personal touch to finance, we'd love to have you on board! Regional Finance is hiring! We are looking for talented and driven individuals to join our team. Take the next step in your career and click that apply button! Job Intro The core of a Loan Specialist is being customer oriented. If you are interested in helping others in their time of need, then this is the career you have been looking for! Why work at Regional? * Regional offers competitive pay! We do our best to show that we value our team members! * You are eligible for a monthly bonus. Who doesn't love a nice cash reward for their hard work? * You will have promotion opportunities. We love to train our Loan Specialists into future Branch Managers! * All full-time team members have access to our medical, dental, vision and 401(k) benefits! * Pays an average of $41,000, this amount can vary based on your location and cost of living adjustments! Duties and responsibilities * Provide exceptional service to all customers. * Process credit loan applications and use product knowledge to present loan solutions to current and potential customers. * Maintain office cash with accuracy and proper security. * Grow account volume through good judgment and effective customer solicitations in the branch and by telephone. * Minimize delinquent debt through calling customers and collecting on past-due accounts. * Receive, track, and post all payments and fees to customer accounts in compliance with Company Policy. * Transport money and deposits to and from bank. * Other duties as assigned by leadership. Minimum Qualifications * High School Diploma or Equivalent. * Prior customer service experience in either a sales/retail environment or cash management environment. * Must pass drug screen, criminal and credit background checks. * Valid Driver's License and access to a dependable automobile with liability insurance coverage. Critical Competencies * Demonstrated passion for customer service. * Excellent written and verbal communication skills. * Customer service minded with a personality that relates well with a broad spectrum of people, including external customers, branch colleagues, and corporate co-workers. * Thrives in a pay for performance atmosphere. * Proven ability to multi-task. * High degree of integrity. * Sales mentality. * Adaptable to an ever-changing environment. Working conditions This position works in an office providing consumer loan products in person and over the phone. The typical working hours are 8:30am to 5:30pm Monday through Friday with some Saturdays required. Overtime may be required on an as needed basis and is at the discretion of upper management. If you are a job applicant who resides in the state of California, please review our California Employee Privacy Policy at the following link: ************************************************************************************************** #RGNL Regional is an equal opportunity employer and does not discriminate on the basis of race, color, religion, creed, national origin, sex (including pregnancy, childbirth, and related medical conditions), sexual orientation, gender identity, transgender status, age, disability, genetic information, veteran status, uniform service, or any other characteristic protected by applicable law ("Protected Characteristics"). Regional's policy of non-discrimination applies to all phases of the employment process and relationship, including, but not limited to, recruitment and selection; compensation and benefits; professional development and training; promotions and opportunities; transfers; social and recreational programs; layoff; and terminations.

General The Mortgage Loan Processor (MLP) is responsible for processing all real estate applications originated by the Mortgage Loan Officers in accordance with internal credit union policies, procedures, and guidelines. Applications include conventional purchase money, refinance, cash-out refinance, home equity and home improvement loans. Most loans are retained in the credit union's portfolio, but others are sold on the secondary market. This is an extensive member service-oriented position with primary responsibilities for the accurate processing, validating information and documentation, and timely closing a mortgage loan file. MLP's must have the ability to maintain effective communication with the member to ensure coordination and exchange of information for accomplishing the closing of the member's real estate loan. This position will also include some crossover into closing, funding, post-closing, and administrative job duties. Duties & Responsibilities Have thorough knowledge of first and second mortgage real estate lending practices, including federal regulatory requirements, state regulations and agency requirements. Have a thorough understanding of conventional and special mortgage loan programs and knowledge of the necessary documentation for processing and obtaining underwriting approval. Review Desktop Underwriter verification messages/approval conditions. Verify the accuracy and integrity of all loan data entered into the system including but not limited to names, addresses, government monitoring information, loan information (i.e. loan amount, interest, terms, lock-in expiration dates, etc.) Communicate with members to provide them with an overview of the process and inform the member of information and documentation necessary to process the loan. Conduct follow-up on outstanding documentation to ensure receipt to keep file on track for a timely closing. Order from closing document attorney and/or preparing loan closing documents to prepare for loan closings. Disclose Closing Disclosures within TRID guidelines, validating information, reconcile loan fees and charges with title companies, attorney's offices, appraisers, surveyors, etc., and accurately perform funding transactions to disburse funds to Borrowers and/or title companies. Maintain quality within the department by following operational policies and procedures, reporting needed changes, and compliance with Federal regulations. Manage relationships with vendors including title companies, mortgage insurance companies, document attorney, and appraisal management companies. The MLP is expected to be flexible with respect to duties, scheduling, and periodically completing duties that may be outside their normal job description. Job Requirements Must register with the National Mortgage Licensing System High school graduate with 5 years experience in mortgage lending with at least 2 years as a Mortgage Loan Processor Strong verbal and written communication skills Strong organizational and planning skills Provide friendly, prompt, professional and accurate service and support to all members and associates Maintain a dependable record of attendance and timeliness. Ability to work evenings and weekends if needed. Knowledge of software and hardware necessary to conduct business in a credit union environment, including, but not limited to: multiple line telephones, fax machine, voicemail, Outlook based electronic mail and calendars, E-Fax, Windows, Microsoft Office (Word, Excel, and PowerPoint) Knowledge and familiarity with Calyx loan origination system strongly preferred Bilingual in Spanish is a plus. Physical/Mental Requirements Of The Position: 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 the job, the employee is regularly required to stand, sit, use hands, reach with hands and arms, kneel, crouch, and talk and hear. Ability to move and/or lift 10 pounds. The vision requirements include close vision and ability to adjust focus. The mental demands include detailed work, reasoning, math, language, written and verbal communications, multiple concurrent tasks.

ProLending Mortgage, LLC. provides Home Loans for Houston and the surrounding areas of Texas. We're committed and dedicated to making your loan process as easy and simple as possible. If you have any questions or you would like to talk to us about your loan or you're pre-qualification, please contact us today. We're here to help and serve you! Job Description ProLending Mortgage is currently looking for a reliable Loan Processor to perform appraisals of individual loans in Texas. You will undertake an intermediary role between potential clients and our financial institution. The goal is to help qualified applicants obtain loans in a timely manner and protect our organization's credibility. Loan processor duties and responsibilities will include analysis, appraisal and evaluation of loan applicants, as well as writing and finalizing contracts. Our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come. Unlike many of the larger nationwide mortgage companies that are out there, all your information will be kept secure and private. Responsibilities • Perform initial appraisal of potential borrowers by thoroughly examining their applications • Assess the credit standings of applicants through background research • Interview applicants to evaluate their eligibility for loan or mortgage • Conclude on all applicable financial and non-financial criteria and develop loan repayment plans • Follow up with clients to clarify important points • Give the “green light” to eligible candidates and report decisions with sound arguments • Finalize loan contracts and keep clients informed in rules and obligations • Remain up to speed regarding lending and other financial services • Identify customer needs, explore all options and suggest different types of loans • Cultivate trustworthy referral networks, suggest alternate channels and cross-sell products and services • Forge trust relationships and enhance customer dedication • Work within established regulations and adhere to law requirements at all times Qualifications Requirements • Proven working experience in a loan processor role, at least 2 years is preferred. • Good knowledge of banking computer software and MS Office • Comprehension of direct/indirect lending procedures • In-depth understanding of relevant rules and regulations • Balance between customer satisfaction orientation and a results driven approach • A degree in finance, economics, or a related field is preferred Additional Information All your information will be kept confidential according to EEO guidelines.

The Specialist is responsible for ensuing recently closed loans are accurately set up in the servicing system of record, MSP, handling data entry, data validation against loan closing documentation, and resolving discrepancies with other teams and partner Credit Unions, when necessary. Helping ensure department standards for loan boarding, within three business days of receipt, are consistently achieved. ESSENTIAL DUTIES and PERCENT OF TIME SPENT: Review and validate data mapping from multiple loan origination applications match final loan documents and are properly recorded in the system of record, ICE MSP. Collaborate internally or with partner credit unions to quickly resolve data discrepancies, when identified. Timely generation and issuance of new loan welcome packages and updating of loan records within the servicing system. Reviewing and processing closing documents retained for future Servicing activities Immediate updating of system and investor records when loans are sold into the Secondary Market. Working closely with Loan Accounting to ensure on-going reconciliation of loans in process and loans held for sale accounts. Collaborate closely with partner Credit Unions to provide status updates and requested reporting. Continuously seeking process improvement, including streamlining and automating of manual processes Other duties or projects upon request and cross training within department KNOWLEDGE AND SKILLS: Prior MSP, Encompass, and/or Empower experience, a plus. Problem Solving - working with Originations or Closing teams to fix data errors or the identification of missing loan information. Initiative-taker with ability to work independently and manage time effectively. Effective communication skills EXPERIENCE: 2-3 years of Mortgage Servicing or Processing experience Proficiency in MS Office (Excel and Word). Work Environment: In-office with the possibility of hybrid remote. Compensation & Benefits Competitive salary Comprehensive benefits package including medical, dental, life, and disability coverage. 401(k) with employer match Business-casual environment with growth and advancement opportunities.

JOB TITLE: Mortgage Loan Closer is responsible for closing loans and disbursing loan funds. DUTIES AND RESPONSIBILITIES: Reviews approved mortgage loan approvals to determine conditions that must be met prior to closing have been satisfied and reviewed by underwriting. Ensures that all loans meet guidelines for quality and regulatory compliance and investor closing standards are met. Maintains communication with customers, departments, closing agents, realtors, and builders to promote positive business relations and relate loan status. Establishes and maintains a thorough knowledge of all products and investor requirements to ensure quality closing packages. Reviews files prior to closing to verify that abstracts and/or title opinions are clear; forwards copies to all parties involved; reviews all surveys, termite inspections, final inspections, and verifies accuracy of closing conditions. Closes the loan; inputs information into computer, prepares additional documentation, balances account for closing, prepares package for closing agent and/or customer, and ensures timely recording of all documents and disbursement of all funds. Prepares and explains closing requirements to closing agent and/or customer. Protects bank collateral by reviewing and analyzing title work to verify that all liens are clear. Reviews and verifies executed closing packages to ensure all documents are signed appropriately and all fees are included with the package. Maintains knowledge of all mortgage and compliance policies and procedures. QUALIFICATIONS: Bachelor's Degree from four-year college or university preferred. Will consider a combination of education and experience. A minimum of 2 years closer/funder or related experience. Computer skills required: Microsoft Office Suite and Encompass preferred. COMPETENCIES: Adaptability - Adapts to changes in the work environment; manages competing demands. Customer Service - Manages difficult or emotional customer situations; responds promptly to customer needs; solicits customer feedback to improve service; meets commitments. Ethics - Treats people with respect; keeps commitments. Interpersonal Skills - Focuses on solving conflict, maintains confidentiality. Oral Communication - Speaks clearly and persuasively in positive or negative situations; responds well to questions. Planning/Organizing - Prioritizes and plans work activities; uses time efficiently. Problem Solving - Identifies and resolves problems in a timely manner; gathers and analyzes information skillfully; works well in group problem solving situations. Written Communication - Writes clearly and informatively. Disclaimer: This position description highlights a general description of duties and responsibilities. Employee(s) may be assigned other duties, in addition to or in lieu of those described herein, and any duties are subject to change at any time, according to the needs of the location or Company.

Take your career to the next level! In the last few years our goal has been expansion, creating growth opportunities for many of our team members. Not only are we serious about growth, but we are also serious about helping our customers during hard financial times. We take pride in providing solutions and offering a helping hand, not only to our customers but also to the communities we serve. As we continue to expand and grow into a national leader in consumer financing, we invite you to consider joining our team. If you're passionate about making a meaningful impact in people's lives and bringing a personal touch to finance, we'd love to have you on board! Regional Finance is hiring! We are looking for talented and driven individuals to join our team. Take the next step in your career and click that apply button! Job Intro The core of a Loan Specialist is being customer oriented. If you are interested in helping others in their time of need, then this is the career you have been looking for! Why work at Regional? * Regional offers competitive pay! We do our best to show that we value our team members! * You are eligible for a monthly bonus. Who doesn't love a nice cash reward for their hard work? * You will have promotion opportunities. We love to train our Loan Specialists into future Branch Managers! * All full-time team members have access to our medical, dental, vision and 401(k) benefits! * Pays an average of $41,000, this amount can vary based on your location and cost of living adjustments! Duties and responsibilities * Provide exceptional service to all customers. * Process credit loan applications and use product knowledge to present loan solutions to current and potential customers. * Maintain office cash with accuracy and proper security. * Grow account volume through good judgment and effective customer solicitations in the branch and by telephone. * Minimize delinquent debt through calling customers and collecting on past-due accounts. * Receive, track, and post all payments and fees to customer accounts in compliance with Company Policy. * Transport money and deposits to and from bank. * Other duties as assigned by leadership. Minimum Qualifications * High School Diploma or Equivalent. * Prior customer service experience in either a sales/retail environment or cash management environment. * Must pass drug screen, criminal and credit background checks. * Valid Driver's License and access to a dependable automobile with liability insurance coverage. Critical Competencies * Demonstrated passion for customer service. * Excellent written and verbal communication skills. * Customer service minded with a personality that relates well with a broad spectrum of people, including external customers, branch colleagues, and corporate co-workers. * Thrives in a pay for performance atmosphere. * Proven ability to multi-task. * High degree of integrity. * Sales mentality. * Adaptable to an ever-changing environment. Working conditions This position works in an office providing consumer loan products in person and over the phone. The typical working hours are 8:30am to 5:30pm Monday through Friday with some Saturdays required. Overtime may be required on an as needed basis and is at the discretion of upper management. If you are a job applicant who resides in the state of California, please review our California Employee Privacy Policy at the following link: ************************************************************************************************** Regional is an equal opportunity employer and does not discriminate on the basis of race, color, religion, creed, national origin, sex (including pregnancy, childbirth, and related medical conditions), sexual orientation, gender identity, transgender status, age, disability, genetic information, veteran status, uniform service, or any other characteristic protected by applicable law ("Protected Characteristics"). Regional's policy of non-discrimination applies to all phases of the employment process and relationship, including, but not limited to, recruitment and selection; compensation and benefits; professional development and training; promotions and opportunities; transfers; social and recreational programs; layoff; and terminations.