Position Summary: The Senior Retail Real Estate Loan Processor/Closer is responsible for all processing steps from origination through closing, and the generation of initial and closing documents of real estate secured loans.  This position is responsible for managing a pipeline that includes a variety of real estate secured loan types (Construction, First Lien Mortgage, Subordinate Financing, Home Equity etc.). This person will also review the teams initial and pre-closing documents in addition to Amendments to ensure bank requirements, regulatory compliance guidelines and customer service guidelines are met.  

Essential Functions:

• Coordinate and contribute to the daily activities of the Retail Loan Operations real estate processing team.

• Manage daily workflow of real estate processing, including monitoring of pipeline.

• Process and close more complicated real estate secured loans which include a variety of loan types, such as Construction, First Lien Mortgage, Subordinate Financing and Home Equity loans.

• Conduct reviews and communicate results of initial and pre-closing documents for the Processing Team to ensure real estate loans meet all bank policy requirements, complex regulatory compliance guidelines, and customer service standards.

• Provide operational guidance and support to Personal Bankers and Loan Officers.

• Review and communicate results of the review of Amendment documents submitted through the WAM portal.

• Identify and bring attention to compliance risks or potential departmental efficiencies.

• Coordinate testing of new products and software.

• Facilitate initial and ongoing training for real estate processing team.

• Update procedures.

• Understand and anticipate all requirements of the real estate loan cycle from beginning to end. 

• Demonstrate thorough understanding and ability to apply in-depth knowledge of all federal regulations and bank policies/procedures related to real estate lending. 

• Lead by example in creating ways to challenge team while providing ongoing motivations and positive reinforcement.

• Provide a high standard of customer service to both internal and external customers in person and by telephone. 

• Understand and adhere to all bank policies, laws, and regulations applicable to their role. Complete compliance training: follow internal processes and controls as required.

• Report all compliance issues, violations of law or regulations in accordance with the steps defined in bank policies.

• Performs other job-related duties or special projects as assigned. 

• Regular and reliable attendance is an essential function of this position.  

  Qualifications:

• Three years real estate loan processing required.

• Experience with HELOCs, bridge and construction loans required.    

• Knowledge of all federal regulations and policies/procedures involving real estate lending. 

• Proficiency in Microsoft Word, Excel and in working with other financial software.

• Experience with Encompass and Fiserv software, including Navigator and Director preferred.

  Preferred Talents:

• Multi-tasker

• Accurate and detailed

• Problem solver

• Deadline driven with good judgment

• Effective communicator

• Positive and people focused 

• Independent with a team orientation

  Working Environment:

  Indoor work – not exposed to outdoor elements or hazards. 

  Some sedentary work and occasional lifting and/or carrying up to 10 pounds.

  This role is eligible for hybrid work from home opportunity under the work from home guidelines upon completion of onboarding.

Equal Opportunity Employer Minorities/Women/Veterans/Disabled

PLEASE VIEW THE APPLICANT TERMS & CONDITIONS (http://www.ubt.com/ubt-employment-terms-conditions)  BEFORE PROCEEDING WITH YOUR APPLICATION.

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