Mortgage & Consumer Post Closing Specialist at VisionBank

Boone, Iowa, United States -

Full Time

Start Date

Immediate

Expiry Date

28 Sep, 26

Salary

0.0

Posted On

30 Jun, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Post-Closing Documentation, Mortgage Processing, Consumer Loan Administration, Title Work Review, Regulatory Compliance, Records Management, Customer Service, Loan Payoff Processing, Insurance Tracking, Credit Dispute Handling, Analytical Thinking, Problem Solving, Written Communication, Spreadsheet Software, Word Processing, Attention to Detail

Industry

Banking

Description

Description Summary Under limited supervision, but following established policies and procedures, supporting the completion, accuracy, and ongoing administration of post-closing mortgage and consumer loan activities. Ensures required documentation is obtained, processed, and delivered in a timely manner while maintaining compliance with internal procedures, investor requirements, and records management standards. Processes loan advances and payments including loan payoffs. Provides professional, timely and courteous customer service to both internal and external customers. Responsibilities include; maintaining lending department specific files, typing routine letters and memos, preparing correspondence in final form, maintaining files and records, and completing special projects as assigned. Essential Duties and Responsibilities include the following. Other duties may be assigned. Follow up on final title work, including 901s and final continuations, to ensure complete and accurate file documentation. Request final title opinions and final title guarantees as needed to support post-closing file completion. Assist in resolving funding hold items by coordinating documentation and follow-up activities. Prepare and transmit recorded mortgages, notes, and related documents to investors in accordance with established timelines and requirements. Process and maintain abstract receipts in accordance with established procedures and recordkeeping standards. Sort, scan, and index in-house loan files to maintain accurate and accessible loan records in accordance with established checkback procedures. Process adverse action loan files in accordance with regulatory requirements, internal procedures, and documentation standards. Monitor and manage insurance tracking activities to ensure required coverage remains current and properly documented. Process paid-off and closed loans accurately and in a timely manner, ensuring all related documentation is completed and retained appropriately. Manage file retention and shredding processes in compliance with recordkeeping policies and regulatory requirements. Administer force-placed insurance processes, including tracking, follow-up, and documentation maintenance. Support the handling of credit disputes by gathering required information and assisting with timely resolution. Provide support for consumer loan processing activities as needed to meet operational demands. Process incoming payoff requests in a timely and accurate manner, ensuring all related information is reviewed and handled in accordance with established procedures. Prepare loan tickets, including loan advances and payments, as required for processing loans and perfecting collateral. Provide back up support for other loan assistants Provide customer service to internal and external customers in a professional, timely and courteous manner. As necessary, recommend changes in procedures which improve the operation of the loan assistant department. Adhere to State and Federal Banking regulations. Supervisory Responsibilities This job has no supervisory responsibilities. Requirements Competencies To perform the job successfully, an individual should demonstrate the following competencies: Analytical - Collects and researches data; Uses intuition and experience to complement data. Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in group problem solving situations; Uses reason even when dealing with emotional topics. Technical Skills - Assesses own strengths and weaknesses; Pursues training and development opportunities; Strives to continuously build knowledge and skills; Shares expertise with others. Customer Service - Manages difficult or emotional customer situations; Responds promptly to customer needs; Responds to requests for service and assistance; Meets commitments. Interpersonal Skills - Focuses on solving conflict, not blaming; Maintains confidentiality; Listens to others without interrupting; Keeps emotions under control; Remains open to others' ideas and tries new things. Oral Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Demonstrates group presentation skills; Participates in meetings. Written Communication - Writes clearly and informatively; Edits work for spelling and grammar. Teamwork - Balances team and individual responsibilities; Contributes to building a positive team spirit; Puts success of team above own interests; Supports everyone's efforts to succeed. Business Acumen - Understands business implications of decisions. Diversity - Demonstrates knowledge of EEO policy; Shows respect and sensitivity for cultural differences; Educates others on the value of diversity; Promotes a harassment-free environment; Builds a diverse workforce. Ethics - Treats people with respect; Keeps commitments; Inspires the trust of others; Works with integrity and ethically; Upholds organizational values. Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values; Benefits organization through outside activities; Supports affirmative action and respects diversity. Judgment - Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions. Motivation - Sets and achieves challenging goals; Demonstrates persistence and overcomes obstacles; Measures self against standard of excellence; Takes calculated risks to accomplish goals. Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently; Plans for additional resources; Sets goals and objectives; Organizes or schedules other people and their tasks; Develops realistic action plans. Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position; Accepts responsibility for own actions; Follows through on commitments. Quality - Demonstrates accuracy and thoroughness; Looks for ways to improve and promote quality; Applies feedback to improve performance; Monitors own work to ensure quality. Quantity - Meets productivity standards; Completes work in timely manner; Strives to increase productivity; Works quickly. Safety and Security - Observes safety and security procedures; Determines appropriate action beyond guidelines; Reports potentially unsafe conditions; Uses equipment and materials properly. Adaptability - Adapts to changes in the work environment; Manages competing demands; Changes approach or method to best fit the situation; Able to deal with frequent change, delays, or unexpected events. Attendance/Punctuality - Is consistently at work and on time; Ensures work responsibilities are covered when absent; Arrives at meetings and appointments on time. Dependability - Follows instructions, responds to management direction; Takes responsibility for own actions; Keeps commitments; Commits to long hours of work when necessary to reach goals; Completes tasks on time or notifies appropriate person with an alternate plan. Initiative - Volunteers readily; Undertakes self-development activities; Seeks increased responsibilities; Takes independent actions and calculated risks; Looks for and takes advantage of opportunities; Asks for and offers help when needed. Innovation - Meets challenges with resourcefulness; Generates suggestions for improving work. Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education and/or Experience High school diploma or general education degree (GED). Must have prior banking experience and prefer 2+ years of secondary market loan documentation and loan processing experience. Language Skills Ability to read and comprehend simple instructions, short correspondence, and memos. Ability to write simple correspondence. Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization. Mathematical Skills Ability to add, subtract, multiply, and divide. Ability to compute rate, ratio, and percent. Reasoning Ability Ability to apply common sense understanding to carry out detailed but uninvolved written or oral instructions. Ability to deal with problems involving a few concrete variables in standardized situations. Computer Skills To perform this job successfully, an individual should have knowledge of Spreadsheet software, Word Processing software, Internet and Outlook E-mail. Certificates, Licenses, Registrations Other Skills and Abilities Other Qualifications Must be able to travel to all bank locations using own transportation. Physical Demands 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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is occasionally required to walk. The employee is occasionally required to stand; climb or balance and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 20 pounds. Specific vision abilities required by this job include close vision, peripheral vision and ability to adjust focus. Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate. VisionBank is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, ancestry, pregnancy status, sex, age, marital status, medical conditions, sexual orientation, gender identity or expression, veteran

Responsibilities

Supports the completion and administration of post-closing mortgage and consumer loan activities to ensure documentation accuracy and compliance. Manages loan advances, payoffs, insurance tracking, and the maintenance of loan records.