Alliance/Partner Marketing, Bank Secrecy Act, Consumer Loans, Consumer Regulations, Credit Reports, Customer Experience, Customer Support/Service, Database Administration, Detail Oriented, Documentation, High School Diploma, Liens, Loan Approval, Loan Closing, Loan Documents, Loan Regulations, Loan Review, Loans, Maintain Compliance, Microsoft Office, Mortgage Lending, Multitasking, Project Tracking, Real Estate, Real Estate Appraisals, Regulations, Regulatory Requirements, Retail, Service Delivery, Team Player, Training Program, Vendor/Supplier Relations
LOCATION
WV
POSTED
6 days ago
City National Bank is a multi-award-winning and highly successful financial institution committed to delivering exceptional service to our customers-and that commitment extends across every role in our organization. We're looking for talented individuals who share our dedication to excellence and understand the vital role customer service plays in everything we do.
Why choose City National Bank? At City, we understand that our employees are our greatest asset. That's why we offer an inclusive and supportive work environment where you can thrive both personally and professionally. Here's what sets us apart:
Commitment to Excellence: We aim for excellence in everything we do. By joining our team, you'll be part of an organization that constantly strives for innovation and improvement-always with the customer experience in mind.
Career Growth Opportunities: We believe strongly in providing support for you to grow your skills and build a successful career. You will have opportunities to learn and advance within our organization with comprehensive training programs and ongoing professional development.
Competitive Compensation and Benefits: In addition to a competitive salary, we offer paid time off, paid parental leave, medical, dental & vision coverage, and a 401(k) match.
Strong Company Culture: Our employees are the heart of our organization. We foster a positive, inclusive culture where collaboration thrives and every team member contributes to delivering exceptional service-whether directly or indirectly supporting our customers.
Summary Description
Responsible for all processing duties related to the production of over 20 types of consumer/retail loans including ARMs, Business Purpose Consumer Loans, and Consumer Loans to self-employed borrowers; managing the third party vendor relationship (appraisals, title and flood), preparing loan documents and all regulatory required early and loan closing disclosures and booking closed loans to Silverlake/Core system
Essential Functions
Prepares upfront regulatory required disclosures on all closed end real estate loans daily, including Retail ARMs
Responsible for ensuring compliance with HOEPA
Print and distribute credit score disclosure letters daily
Review approved consumer loans in Decision Pro to determine conditions that must be met prior to closing/processing vendor work, including verification, vesting issues and miscellaneous documentation requirements
Request/process vendor work on all real estate secured loans including ordering flood determinations, property reports and property valuations
Process flood and property valuation disputes/upgrades when appropriate
Maintain correspondence with all vendor work service providers including flood vendor, property report vendor, property valuation vendors and all real estate appraisers
Maintain and update databases used to track status of loans in process; also performs follow-up on outstanding vendor work daily
Review and process requests for loan documents
Verify application/loan document accuracy including address, SS numbers, applicant names, lien positions and loan to value ratio; enter this information into Laser Pro, either via export or manually
Verify insurance coverage amounts meet policy requirements; in depth verification of flood insurance coverage including coverage amounts, effective dates and loss payee clause
Calculate all City National Bank payoffs including any applicable lien release and/or recording fees
Place holds and determine source of funds on all CD/Savings secured retail loans
Prepare, print and distribute loan documents to all retail loan branches
Upload/book all retail loans from Laser Pro directly into Silverlake system including but not limited to the input of numerous key data
Answer questions/inquiries from branches, personal bankers and City National Op Center employees
Position Requirements
High School diploma or GED
1 - 2 years retail loan experience
Demonstrated proficiency in Microsoft Office software
Experience with Laser Pro preferred
Work is generally performed indoors in environmentally controlled conditions
Typically, the employee may sit to perform the work. However, there may be some standing, walking, bending and carrying of light items in the course of the work
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions
Critical Skills/Expertise
Ability to work independently and in a team environment
Strong attention to detail
Good problem solving skills
Understanding of consumer/retail lending principles
Understanding of consumer lending regulatory requirements including but not limited to Reg. B, Reg. Z, HOEPA, Flood and Bank Secrecy Act
Must be able to work under critical time constraints, with large volume of credit applications, priortize and multitask
Schedule
Monday Through Friday
Join City National Bank and become part of a team where every role plays a part in creating outstanding customer experiences. We look forward to hearing from you!
City National Bank is an Equal Opportunity Employer.