Mortgage Loan Administrator at RNB State Bank

Longmont, Colorado, United States -

Full Time

Start Date

Immediate

Expiry Date

16 Mar, 26

Salary

70720.0

Posted On

16 Dec, 25

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Mortgage Loan Administration, Customer Service, Loan Processing, Regulatory Compliance, Data Validation, Team Collaboration, Technology Adaptation, Communication, Problem Solving, Mathematical Skills, Training, Time Management, Attention to Detail, NMLS Registration, Pipeline Management, Document Review

Industry

Banking

Description

Description Front Range State Bank is a locally managed independent community bank founded in 1899 with locations in Colorado and Wyoming, offering an array of customized and personalized banking services that meet the needs of businesses and personal clientele. Front Range State Bank takes pride in developing personal relationships with its clients while maintaining the highest level of professional service. Our mission is to not only provide personalized banking services for our clientele, but to encourage our staff to personally contribute to making a difference in the communities that we serve. The Bank is also working towards being a community leader that balances purpose with profit by considering the impact of its decisions on its workers, customers, suppliers, community, and the environment. What we are looking for: Front Range State Bank is looking for a driven, reliable, hardworking employee who wants to make a difference and provide exceptional customer service for our clients and in our community. If your goal is to build a career that is impactful & fulfilling, consider joining our dedicated team. Candidate should be located within the Front Range of Colorado. Benefit Package Offered: (Subject to Eligibility Requirements) 401(k) Profit Sharing Plan 401(k) Matching Medical, Dental and Vision Insurance Heath Savings Account with company contribution Employer paid Life/LTD AD&D Insurance Paid Vacation, Sick and Holiday time Flexible Spending Account Professional Development Resources/Tuition Reimbursement Employee Assistance Program An annual bonus may be paid to eligible employees based on organization & individual performance. The Mortgage Loan Administrator will be a key role in the origination of all 1-4 unit residential real estate loan products. This role will work alongside the Mortgage Origination Manger to assure the quick and efficient origination of in-house mortgages, HELOCs, construction loans, secondary market loan, bridge loans, as well as any other 1-4 unit residential loan products the bank offers. Essential Duties and Responsibilities: Serve as subject matter expert for all 1-4 units residential real estate products, assisting Officers with the vetting of potential customers. Assist the Mortgage Origination Manager with the continued maintenance of residential real estate related technology platforms. Review loan application files for accuracy and completeness, including a pre-underwriting review process. Responsible for issuing TRID documents as well as closing documents. Validate and verify loan application data related to assets, liabilities, income, debts, employment, etc. Submit loan applications to underwriting. Order applicable documents from third party vendors, i.e. hazard insurance, HOA documents, title documents, etc. Assist in mortgage loan pipeline management, including, but not limited to, tracking regulatory deadlines, status of each application within the origination process, ordering of appraisals, closing date, etc. Process rate lock requests. Assist in overseeing multiple loan files within the closing pipeline. Assure all Federal & State regulations are adhered to. Update information in the loan operating system. Assist in the coordination among all parties in the mortgage lending process. Master the Bank’s loan operating system. Communicate with and facilitate processes and parties in the origination process. Operate within a team environment and effectively communicate with customers, lenders, processors, closers and underwriters. Maintain a high level of customer satisfaction. (internal/external) Nonessential Duties and Responsibilities: Provide new Bank Officers with training on mortgage processes and procedures. Performs all other duties as assigned. 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/Experience: A bachelor's degree in a financial services related field is preferred. 3+ years Mortgage Loan Administration experience required. Language Ability: Ability to understand complicated situations and communicate them in a succent and efficient manner. Must be fluent (reading/writing/speaking) in English. The ability to read, write, and speak Spanish is preferred but not required. Math Ability: Ability to work with mathematical concepts such as fractions, ratios, percentage, basis points, and proportions. Reasoning Ability: Ability to define problems, collect data, establish facts and draw valid conclusions. Able to adjust quickly to different work situations; remain composed under pressure and in stressful situations. Team player who must embrace change and see change as opportunity. Must be willing to express and support management’s ideas to affected staff. Computer Skills: To perform this job successfully, an individual must have the ability to adapt to new technological systems such as an LOS, a POS, and various investor portals. Knowledge of Word and Excel is preferred but not required. Certificates and Licenses: Existing NMLS registration 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 quiet. 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. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include Close vision. While performing the duties of this Job, the employee is regularly required to stand and talk or hear. The employee is frequently required to use hands to finger, handle, or feel and reach with hands and arms. The employee is occasionally required to walk; sit and stoop, kneel, crouch, or crawl. Benefits: Standard Bank benefits package Salary Range: $47,216 - $70,720 depending upon experience RNB State Bank is an Equal Opportunity Employer

Responsibilities

The Mortgage Loan Administrator will assist in the origination of residential real estate loan products and ensure efficient processing of mortgage applications. This role includes reviewing loan files, issuing documents, and managing the mortgage loan pipeline.