Loan Modification Officer

Northwest Bank • Warren, PA • 4d ago

PA0103 Titusville, PA0445 Williamsport, PA0736 Administration Center

Job Description

The Loan Modification Officer is responsible for accepting referrals from throughout the bank for all loan modification @types, providing superior service to all customers, both internal and external, and ensuring loan modification requests meet program and product specifications.

Essential Functions

Ensure integrity of loan modification agreements, releases, lock in agreements, etc.

Ability to analyze real estate appraisals and/or valuation documentation

Identify and resolve problems/issues

Remain compliant with all rules and regulations related to residential loan modifications

Partner with the retail network, mortgage banking and loan servicing, in all matters relating to loan modifications

Advise on loan modification policy by making recommendations as appropriate

Monitor modification activity

Manage a pipeline of loan modifications

Recommend and implement improvements to procedures

Build relationships with internal and external customers

Maximize technology tools available

Minimize departmental non-payroll costs

Process residential and equity loan modifications and ensuring compliance with appropriate company and secondary market investor standards including Fannie/Freddie and any applicable mortgage insurance providers and/or investors.

adequate controls to ensure compliance with consumer protection regulations

Follow the provisions of the Gramm-Bliley Act and Northwest's privacy policy, maintaining a high level of confidentiality

Make timely and accurate decisions while thriving in a fast paced environment

Liaise with customers, closing agents, attorneys, retail network personnel, lending production and loan servicing personnel.

Ensure compliance with Northwest's policies and procedures, and Federal/State regulations

Navigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency

Work as part of a team

Work with on-site equipment

Qualifications

Bachelor's Degree business/finance degree or related subject matter preferred

Nmls Registry Registration and annual renewal; provide unique identifier to customers Upon Hire required

3 - 5 years experience in an area related to finance/real estate, loan review, credit, underwriting, and/or lending preferred

Knowledge of all residential loan modification @types

Knowledge of all residential loan products and programs

Knowledge of secondary market guidelines related to loan modifications

Knowledge of residential loan pricing

Knowledge of construction loan programs and the construction draw process

LI-MM1

Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.

A t Northwest, we're here for what's next. Whether we're finding opportunities for families, businesses and communities or opening doors for our team, we share a passion for helping the people around us succeed. And we know that in order to provide the highest level of care, we need to understand unique experiences and perspectives. That's why, whether you're interested in a corporate role or something customer-facing, your talent and voice matter. Here, you belong. Working at Northwest, you'll find that we recognize our employees for the important work they do through competitive compensation and benefits, professional development opportunities and by regularly celebrating wins along the way. So, take a look at the opportunities here. And join us as we move into the future making a difference for the people we serve.

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