Job Description

Summary: This position is responsible for interviewing consumer and mortgage loan applicants, and originating and processing consumer and mortgage loan applications.

Responsibilities:

• Understands and follows all Bank Secrecy Act regulations.
• Registers for NMLS and completes required training.
• Gathers background information on loan applicants by interviewing loan applicants at the branch locations or by phone.
• Pulls credit reports for all accounts, verifies debts, estimates monthly payments for any outstanding debts not listed, and adds them to debts on application.
• Coordinates closings with attorneys, title companies and branches for consumer loans.
• Inputs approved mortgage and consumer loans onto the data processing system and funds the loan closings.
• Quality control of appraisals, title updates, plot plans and surveys for mortgages.
• Prepares closing documents as necessary. Reviews returned closing packages for accuracy and compliance. Follows-up on pending documentation to ensure the completion of the file.
• Answers member phone inquiries for mortgage or consumer loan information or maintenance.
• Booking and funding of loans.
• Submits loans to Freddie Mac using loan prospector software.
• Coordinates subordination requests for approval by the Vice President of Lending.
• Collects, audits and submits HMDA information quarterly and annually.
• Handles loan servicing including escrow and PMI disclosures and analysis.
• Makes calls/cross sells additional loan products.

Note: The list of essential functions is not exhaustive. It may be supplemented as necessary from time to time.

Additional Functions:

• Supports the consumer loan staff.

Qualifications

Qualifications:

• HS Diploma or equivalent

• 1 year to 2 years similar or related experience.

• Proficient in MS Office, especially Excel.

• Good organizational skills and able to multitask.

• Strong interpersonal skills.

• Ability to comprehend simple instructions, short correspondence and memos.

• Able to apply common sense understanding to carry out detailed written or oral instructions.

• Ability to research, collect, and analyze data.

• Creative at problem solving and developing alternative solutions.

• Accuracy and attention to detail.

• Strong verbal communication skills.

• Able to present information in one-on-one and small group situations. Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions.

• Good basic math skills.

Additional Information

As a First Financial employee, you'll enjoy a challenging work environment. We offer a great benefits package including Medical, Dental, Rx, Vision, Life Ins., Retirement Plans, Vacation, Sick and Personal.

All your information will be kept confidential according to EEO guidelines.