Mortgage Loan Support Specialist

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Employer Department

Pinnacle Bank Mortgage

Job title Exemption status

Mortgage Operations Specialist Non-Exempt

Supervised by

Mortgage Operations Manager

Job Summary

The Mortgage Operations Specialist is responsible for providing guidance and administrative leadership for Mortgage Operations. The team member is also responsible for reviewing procedures to maximize department resources, as well as identifying and making appropriate changes and improvements that can enhance the overall performance of the department. Also responsible for mortgage operations business continuity, vendor management, systems administration and reporting.

The Mortgage Ops Specialist is responsible for the accuracy of loan packages, ensuring guidelines are met and loans are closed in compliance with State, Federal, TILA and RESPA regulations as well as applicable policy and investor requirements. The team member is responsible for being a back-up for processing loan application packages according to compliance guidelines and regulations, submitting files to underwriting, clearing issues and coordinating closings, and will support post-closing processes as needed. Also responsible for reviewing all closed mortgage loans to ensure compliance with regulatory requirements and conformance with Bank policies; keeping accurate records of status and communication on every file; refining procedures as necessary.

The Mortgage Operations Specialist should be proficient in processing and closing Conventional, FHA, VA and USDA loans, purchases as well as refinances. The specialist should be able to manage a pipeline up to 30 – 40 loans per month.

The employee will support the bank's strategic goals, vision, mission, core values, service standards and service philosophy in actions, words and deeds.

Skills, Knowledge, Talents

Education

High School Diploma

Prior Experience

A minimum of 3-5 years of related banking experiences in the area of mortgage operations preferred.

Required Skills & Talents

Required Skills & Talents:

Must have a basic knowledge of the bank's products and services.

Must have a willingness to serve.

Must be able to function efficiently on a general business level of math, possess general accounting knowledge (i.e. debits, credits and an understanding of the bank's account reconciliations).

Project professional image by adhering to guidelines in employee handbook.

Must be able to collect, research and analyze information skillfully.

Must be a self - starter, a creative thinker, flexible, eager, nurturing, open to change and exhibit good judgement.

Must be a leader by example, attentive to detail, work well with others and responsive to supervisory guidance.

Must have a working knowledge of compliance guidelines for the bank and the industry.

Must know loan documentation necessary for position responsibilities.

Must be able to read credit reports and other tools necessary to accomplish position

responsibilities.

Must have knowledge of the following lending regulations:

• Regulation B - Equal Credit Opportunity Act
• Regulation C - Home Mortgage Disclosure
• Regulation Z - Truth in Lending
• HMDA
• RESPA - Real Estate Settlement Procedures
• Bank Secrecy

Must have a working knowledge of compliance guidelines for the bank and the industry.

Must understand the appropriate loan documentation as related to all loan types.

Preferred knowledge and experience with Mortgage Software.

Pinnacle Bank is an Equal Opportunity Employer and a Drug Free Workplace. As a condition of employment, a completed Application of Employment and satisfactory results from a background check and drug screening must be received. Pinnacle supports a diverse work force and welcomes all qualified applicants. It is the policy of Pinnacle Bank to consider applicants without regard to race, color, religion, creed, national origin, gender, disability, marital or veteran status, age or any other legally protected status.

Job Type: Full-time

Pay: From $20.00 per hour

Benefits:

• 401(k) matching
• Dental insurance
• Employee assistance program
• Flexible spending account
• Health insurance
• Life insurance
• Paid time off
• Parental leave
• Referral program
• Vision insurance

Work Location: In person