howard-lake Work Opportunities ∙ Page 1

Position Summary:

The Real Estate Loan Processing Specialist I will prepare loan documents for closing of real estate loan products to ensure full compliance and quality of loan documentation for funding. This position will collaborate in resolving loan documentation issues by collaborating with all Lending department personnel on problem solving and process improvements. The Real Estate Loan Processing Specialist I will support processes, procedures and efforts to maintain and continuously improve loan operations policy, procedure, and performance.

The Real Estate Processing Specialist is expected to meet and/or exceed Citizens Alliance Bank’s customer service levels as well as the over-all goals of the organization.

The level of this position is based on years of service, education and/or equivalent experience, knowledge level and skill set.

Essential Functions:

To perform this job successfully, an individual must be able to perform each Essential Function and Skill 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 essential functions.

1. Demonstrate excellent written and verbal communication skills.
2. Knowledge of real estate terminology and related documentation.
3. Process In House Residential loan applications.
4. Maintain compliance with Citizens Alliance Bank’s products and services in relation to the Real Estate Mortgage and MPF programs.
5. Communicate with Lenders in all locations with assistance to real estate lending.
6. Maintain knowledge on mortgage loan quality control items such as lien position, insurance, refinancing and bankruptcy, and maintains responsibilities for review and administrative maintenance of such. As well as, verifying proper set up on in-house operating systems.
7. Execute escrow disbursements and escrow analysis associated with taxes and insurance; meeting deadlines and correcting shortages and overages as needed.
8. Identify and detect errors/omissions and arranging for the resolution of those errors.
9. Assist with the tracking of hazard and Flood insurance and HMDA reporting.
10. Create and update procedures/resources for the in house residential real estate loan and escrow processing.
11. Assist in the MPF secondary market loan processing.
12. Work directly with software vendors for the Real Estate and MPF programs.
13. Monitor daily production and work volume.
14. Ability to break down complex problems and arrive at the right solution.
15. Ability to architect and drive change by enlisting support of management.
16. Obtain and maintain a working knowledge of regulatory requirements as they relate to safety and soundness of the Real Estate and MPF Lending programs.
17. Training and Knowledge of regulations governing lending practices.
18. Compile and advise accurate information to management.
19. Assist co-workers as needed.
20. This position requires physical presence in the
21. All employees are expected to exemplify and follow our core values.
22. Regular attendance and punctuality when reporting to work.
23. Travel for trade and industry schools and seminars as needed.
24. This position may require installation of a Multi-Factor Authentication (MFA) app on an employee’s personal mobile device. THE MFA apps are used to authenticate a user’s identity to the system for security purposes.
25. Adhere to and comply with all applicable, federal, and state laws, regulations, and guidance, including those related to BSA/AML, as well as adhere to the Bank’s policies and procedures.
26. Perform other duties as assigned and requested.

Core Values:

Humility - We are “blue-collar bankers”. We are relatable, down-to-earth people who greet our smallest customer the same way we greet our largest.

Respectful, Genuine Care for Others - We care about each other, we care about our customers, and we care about our communities.

Finds A Way - This simply put, is nothing more than attitude. It’s a can-do spirit, a desire to help, to contribute, to go above and beyond, and to make a difference.

Effort - We expect a lot of ourselves and hold ourselves to a high standard. We are not entitled, and we need to earn it from our customers and each other every day.

Owning-It - Owning-It or Accountability is a big word that can encompass a great many things. For Citizens Alliance Bank, it’s about ownership. When an employee says they will do something, they follow through and get it done.

Education and Experience:

Required - High School diploma or GED, etc.

Required - Continuing Education to maintain job knowledge.

Required - Three to Five years of mortgage banking experience.

Preferred - Three to Five years of customer service experience.

Preferred - Proficiency in Microsoft Suites.

The employer has the right to revise this position description at any time. The position description is not a contract for employment.

Citizens Alliance Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, age, religion, gender, sexual preference or orientation, gender identity, gender expression, national origin, disability, veteran status and all other protected classes.