Loan Officer Assistant

at  Community First Bank

At Community First Bank and HFG Trust, our mission is to be Your Financial Partner for Life. To us, that means delivering all of your financial needs under one roof and offering a diverse range of services. Committed to innovation, we’re constantly exploring new solutions to revolutionize the way you manage your finances. Your financial well-being is our priority, and we’re here to elevate your experience every step of the way.
We treat our team just as we do our clients: with a high level of respect and appreciation. This has created a culture where our entire team is committed to the long-term objectives of the organization and, most importantly, to being an organization they are proud to be a part of and personally choose to do business.
We offer a safe, fun, and rewarding place to work with ample opportunities to learn and grow. We facilitate an environment of freedom, respect, mentoring, and fulfillment.
Job Description Summary:
This position is responsible for assisting Mortgage loan officers in performing duties related to FHA, VA, USDA, and Conventional mortgage loan applications. Responsible for knowing secondary market requirements and reviewing loan data for compliance. This position provides assistance to clients inquiring or requesting a mortgage loan.
Job Description:

EDUCATION AND EXPERIENCE REQUIREMENTS:

• High school diploma or equivalent required.
• 1-3 years of related bank experience.
• 2-4 years of loan experience, with prior mortgage processing experience desired.
• May be required to register for and obtain NMLS ID # and is responsible for maintaining registration as required.

KNOWLEDGE, SKILLS AND ABILITIES:

• Knowledge of mortgage loan programs, loan documentation and compliance.
• Ability to organize projects, priorities and time management.
• Critical level of attention to detail.
• Excellent communication and marketing skills.
• Problem solving/analytical skills are required.
• Computer literacy, specifically with Microsoft Office products (Excel, PowerPoint, Word) and data entry abilities.

ESSENTIAL DUTIES:

• Orders titles, appraisals, employment and deposit verifications.
• Verifies, compiles, and types application information for mortgage loans: Reviews residential loan application file to verify that application data is complete and meets establishment standards, including type and amount of mortgage, borrower assets, liabilities, and length of employment.
• Works closely with Mortgage loan officers and clients to compile complete applications.
• Processes the documents received for each file, verifying the accuracy and completeness of each document.
• Helps Prepare files for underwriting per submission guidelines.
• Reviews loan files to ensure compliance with guidelines and accurately inputs information into Point or Loan Origination system by investor.
• Assists Mortgage loan officer in preparing commitment letter(s), denial letter(s) and canceling files when necessary.
• Uploads loan data information to 3rd party lenders and completes the submission of packages.
• Works closely with loan officers to meet underwriting conditions and may be asked to contact the client.
• Assists Mortgage loan officer with business development.
• Performs other duties as assigned.

Community First Bank/HFG Trust expects all employees to comply with the responsibilities of their assigned position to the highest degree of performance by:

• Adhering to the Company’s policies and supporting Management decisions and goals in a positive, professional manner.
• Representing the Company with a high level of integrity and professionalism.
• Maintaining knowledge and understanding of banking rules, regulations, laws, and all policies and procedures pertaining to them including but not limited to, the Bank Secrecy Act (BSA) Regulation E and Regulation CC.
• Demonstrate a willingness to adapt to changing business needs and deadlines.
• Possessing a work ethic that includes neatness and dependability.
• Exhibiting a professional, business-like appearance and demeanor