Retail Loan Post Closer at F&M Bank

Archbold, Ohio, United States -

Full Time

Start Date

Immediate

Expiry Date

17 Aug, 26

Salary

0.0

Posted On

19 May, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Loan Funding, Loan Boarding, Customer Service, Document Verification, Time Management, Attention To Detail, Mathematical Skills, Communication Skills, Microsoft Word, Microsoft Excel, Microsoft Outlook, Regulatory Compliance, Problem Solving, Data Entry, Mortgage Recording, Confidentiality

Industry

Banking

Description

Description POSITION SUMMARY: At F&M, our Retail Loan Post Closers do more than set up and fund loans; they establish and nurture lasting relationships with our valued customers. We are industry leaders because people trust us to handle their loan set up and funding with the utmost care and attention to detail. To continue this tradition of superior service and accountability, we’re looking for a qualified loan post closer to join our team. Our ideal candidate will have experience with banking loan processes and customer service. First and foremost, you must be trustworthy and precise. Your contribution will reinforce our reputation as a trusted bank in the community and the country. OBJECTIVES OF THIS ROLE: Performs various duties related to verifying closing documents after the completion of the loan closing and funding the loan. Ensuring the loan is setup in the core system to match all closing documents. Meet and exceed bank service standards while complying with bank procedures and security protocols. Demonstrate respect and professionalism, being prompt, and accurate. Help our employees realize their best lives. RESPONSIBILITIES: Utilize sales training skills to provide outstanding customer service. Review all loan packages for completeness after the loan has closed and ensure all documents have been signed. Funding of the loan from the LOS to the CORE system for loan boarding. Disbursing funds to vendors for items to be paid after the closing of the loan. Review and clear any export errors using the PTP2400 & PTP2160. Compare the loan set up sheet to the note for accuracy. Log file maintenances into database for corrections to be made on the loan if any errors were found. Sort final documents in LOS electronic filing cabinet. Move electronic documents from LOS electronic filing cabinet to CORE image cabinet. Review of files moved to the CORE system the day after to ensure the documents were uploaded on the system. Record mortgages via Simplifile as needed. Ensure the loan is property funded after export to the core. Complete the creation of bill pay transaction and cashier’s checks to be paid with loan funds. Ensure that indirect loans are set-up properly Effectively be the TMS administrator, making any corrections that are needed to keep the ledger in balance. Maintain strict confidentiality regarding customer’s personal and financial information. Attend meetings and training sessions as requested. Comply and satisfactorily pass tests for bank policy and regulatory compliance that apply to position. QUALIFICATIONS: Associate degree in business or 2 years’ experience in banking and/or training; or equivalent combination of education and experience. Moderate math and computer skills Excellent communication, customer service, precise work and time-management skills Ability to pass a background check Strong dedication to accuracy and efficiency ADDITIONAL REQUIREMENTS: Certificates and Licenses Valid Driver’s License COMPLIANCE: As generally applicable to F&M Bank and commensurate with these job functions, this job role includes accountabilities for following Bank policies and related procedures, as well as regulatory requirements involving federal and state laws, regulations, and related guidance. Compliance with Bank Secrecy Act (BSA), including accurate completion of Currency Transaction Reports (CTR) when applicable, Anti-Money Laundering Act (AML), Office of Foreign Asset Control (OFAC) and the USA PATRIOT Act. Adhere to Customer Identification, Customer Due Diligence and reporting of suspicious activities to the BSA Department. NON-EXEMPT/HOURLY COMPETENCIES: Job Knowledge: Understands duties and responsibilities, possesses necessary job knowledge and technical skills, maintains job knowledge current. Productivity: Manages a fair workload, volunteers for additional work, prioritizes tasks, develops good work procedures, manages time well, and handles information flow. Attendance: Employee is expected to adhere to the attendance and break policy and communicate with your supervisor about anticipated time off or modifications to break times Requirements PERFORMANCE FACTORS: To perform the job successfully, an individual should demonstrate the following competencies: Sales: Individual has a good understanding of the Bank’s products and services. Effectively matches customer’s need by referring and/or selling products and services to enhance the customer’s relationship consistent with the Bank’s Sales Culture. Internal ambition and drive to match and / or exceed goals in cross-selling: Individual demonstrates a positive and helpful attitude toward customers (internal and external), understands their importance to F&M Bank and understands how his / her job affects customers; establishes and maintains good relationships through interactions or work completed; projects a positive and professional image of F&M Bank in appearance and mannerism. Communication Skills: Written: Individual writes clearly and concisely with little need for editing (includes spelling and grammar). Oral: Expresses self in speech as to be clearly and completely understood; adheres to the bank’s telephone standards; supports a favorable environment for open communication; addresses concerns or problems in an open non-defensive manner; conveys self-confidence and knowledge of subject in speaking to customers. Listens: Is attentive and transmits correct information to appropriate people; accepts constructive feedback. Job Knowledge: Individual possesses and demonstrates the technical ability to perform required duties, is practical in applying knowledge to assignments, and maintains expertise by keeping current with new developments and procedures. Problem solving: The ability to define and offer solutions to resolve problems. Uses knowledge of the organization to identify helpful resources. Attention to Detail: The level at which tasks are performed carefully, accurately, and in accordance with specific instructions. Consistency of work quality and compliance with standards, requirements, and expectations. The tracking of numerical data and detailed organizational information, and the careful application of grammar, spelling, and punctuation rules. Ethics: The level of trustworthiness, character, professionalism, confidentiality, and honesty in dealing with internal or external customers. 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. EDUCATION and/or EXPERIENCE Associates degree in business or 2 years’ experience in banking and/or training; or equivalent combination of education and experience. 2 years’ experience with mortgage loans, documents, and processes. LANGUAGE SKILLS Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of organization. MATHEMATICAL SKILLS Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry. REASONING ABILITY Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations. CERTIFICATES, LICENSES, REGISTRATIONS Valid driver’s license OTHER KNOWLEDGE and/or SKILLS Proficient knowledge of Word, Excel, and Outlook 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; and reach with hands and arms. The employee frequently is required to talk or hear. The employee is occasionally required to stand; walk; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, color vision, peripheral vision, depth perception, and ability to adjust focus. Ability to use computer for long periods of time and there will be heavy telephone use. This person may also be required to work at other banking centers. 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. This person will have the ability to: Work Monday – Friday, generally and an occasional Saturday with a day off and / or occasional extended hours as needed to accommodate the flow of business. Work on a holiday and be provided another day off throughout the year. Maintain a professional appearance and manner Work independently and as part of a team

Responsibilities

Responsible for verifying closing documents, funding loans, and ensuring accurate setup within the core banking system. The role involves disbursing funds to vendors, recording mortgages, and maintaining strict confidentiality of customer financial information.