Residential Relationship Specialist II

Ephrata National Bank • Leola, PA • 8h ago

This position is responsible for providing diversified support to the process of originating residential mortgage loans. The Residential Relationship Specialist II (RRS II) will assist the Mortgage Experts with customer and administrative support. The RRS II actively leads within the loan workflow process. The RRS II assumes full ownership and responsibility for all administrative and support processing for loans from application to closing. The RRS II acts as the liaison between the Residential Mortgage Expert and customers, acting as the point of contact for established customers. The RRS II additionally acts as an integral teammate between residential mortgage lending, credit services and loan operations departments to enhance communications, provide support in documentation gathering and in answering applicable questions.

Essential Functions:

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Understand all relevant bank lending policies, procedures and regulations and perform duties in such a way as to maintain compliance with stated standards and/or acts.

Set up, manage and provide ongoing maintenance to electronic customer files.

Monitor application pipeline for compliance with applicable regulations, including Reg B, TIL, ECOA, HMDA and Fair Lending.

Prepare and assure accuracy of truth and lending disclosures to borrower as required by applicable residential mortgage lending regulations.

Actively collaborate with Mortgage Experts, Credit Operations, and Residential Mortgage Underwriters to transition loans from application to closure.

Proactively participate throughout the loan workflow process by entering new loan requests in loan origination system, submitting new loan requests for analysis, conducting research on borrower, guarantor and collateral, provide applicable disclosures and complete due diligence based on loan structure and collateral.

Prepare the loan for credit action, set up client credit files and submit the credit for underwriting. Maintain client credit files throughout the process.

Manage the loan closing process, with guidance from the Mortgage Expert, ensuring that all conditions of loan approval are satisfied and documented prior to closing and funding of the loan. Assumes ownership of preparing the commitment documentation, working with the CRM on presenting the offer, clearing of conditions to close and coordinating the loan documentation package.

Initiate and maintain communication with appropriate stakeholder to the loan closing process, including attorneys, accountants, closing agents, insurance agents, realtors, and borrowers.

Schedule loan closings and coordinate with Pre-closing.

Order and review loan documents for accuracy and completeness to ensure all documents are properly executed by the Mortgage Expert. Disburse loan proceeds (if applicable), and close out workflow.

Complete the process for adverse/withdrawn loans.

Assist in pending loan issues with other departments.

Assist customers with questions, payments, advances and loan inquiries.

Prepare documents in Word and Excel as requested.

Support the achievement of residential lending department KPIs for loan volume and quality of processing: Delivery of application disclosures within three business days of application date;

Accurate completion of submission to credit (monitored by errors and completeness of application); and

Error rate on loans closed.

Perform other duties needed to help drive to our Vision, fulfill our Mission, and abide by our Organization's Values.

Required Education and Experience:

High School Degree or GED Required. Associates Degree and/or graduate of a professional secretary or administrative assistant school preferred.

2-3 years of prior work experience; preferably within a residential lendingenvironment.

Advanced understanding of MS Office (PowerPoint, Word and Excel).

Sound judgment and problem solving abilities.

Exceptional telephone etiquette.

Ability to effectively prioritize and handle a number of demanding tasks simultaneously.

Must be able to maintain confidentiality and possess excellent communication skills.

Familiar with various filing systems -- document imaging.

Competencies:

ENB Operational and Functional Competencies

Supervisory Requirements:

There are no Supervisory responsibilities for this position.

Work Environment:

This job operates in a professional work environment. This role routinely uses standard office equipment such as computers, monitors, mouse, keyboard, phones, printers, scanners, photocopiers, filing cabinets, calculator, and fax machines. Due to physical location of this position, phone ringing, and people conversing, it may be difficult to hear at times and therefore easily distracting.

Physical Demands:

Ephrata National Bank promotes an equal opportunity workplace, which includes reasonable accommodations of otherwise qualified disabled applicants and employees. 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.

While performing the duties of this job, the employee is regularly required to talk or hear. Specific vision required by the job includes close vision, distance vision, and ability to focus. While this position is primarily sedentary, the employee is frequently required to stand, walk, use hands to finger, handle or feel objects or controls, reach with hands and arms, bend, balance, stoop, kneel, and crouch. The employee must be able to lift and/or move up to 25 pounds including standard computer and copy paper boxes, and must be able to open and close filing cabinets and drawers.

Position Type and Expected Hours of Work:

This is a full-time position. Flexibility in schedule is required, particularly when meeting deadlines, and is crucial including possible periods of overtime.

Travel:

This position may require travel.

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