Senior Consumer Real Estate Processor

Job Opportunity

We're always looking for bright individuals to join our growing organization. As a part of the First Financial Family, we will invest in your development and provide a dynamic work environment where you're challenged, valued and empowered every day. We strive to be the best destination for the industry's top talent, creating a diverse, collaborative workplace that celebrates innovation and change. We are one team, working together to get things done.

Location: Abilene, Texas, United States

Scope/Responsibilities: Incumbent has limited contact with lending staff and frequent contact with regional loan officers, lending assistants, other departments, title companies, etc. The incumbent will be required to work consumer real estate loans independently without much direct supervision. Incumbent will review his/her own loans prior to final documents being delivered and advise loan staff on changes because of the review. Incumbent must be able to utilize their expertise to effectively apply bank procedures and ensure loans are compliant with both Federal and State regulations. Incumbent will at times be expected to review the work of other loan processors. Must exercise independent judgment and decision-making in routine situations. The ability to delay or stop a loan closing based on the findings of their review may be required. Assist with routine problems and resolve or refer to supervisor or other departments as needed.

Minimum Qualifications:

• High school graduate or equivalent certification with 24 months of loan processing experience required. 18 months of loan processing experience may substitute with a Bachelor's degree.
• Bachelor's degree is preferred.
• Excellent verbal and written communication skills.
• Excellent interpersonal skills with the ability to understand and discuss complex loan scenarios.
• Ability to work on deadlines with great attention to detail.
• Proactive and independent with the ability to take initiative.
• Excellent time-management skills with a proven ability to meet deadlines.
• The ability to think critically and find alternative solutions.
• Must have a good understanding of applicable regulations, including but not limited to TRID, Reg. B, HMDA, Flood, QM/ATR
• Must be familiar with Bank policies and procedures.
• Proficient with or the ability to quickly learn loan processing software or other lending systems.
• Proficient with Microsoft Office Suite or related software.

Essential Functions:

• Create and deliver loan disclosures to customers in a timely manner while ensuring accuracy and compliance.
• Review each loan file to verify that documents are present, accurate, and complete.
• Ensure that loans are compliant with Federal and State law as well as with Bank policy.
• Perform complex and confidential administrative functions including but not limited to: organizing files, data entry, and maintaining accurate records.
• Process and respond to all incoming methods of communication.
• Adapt to change in the work environment, manage competing demands and handle frequent changes.
• Review documents needed for a complete loan package (credit report, flood, appraisal, title work, etc.).
• Alert lending staff and management when a file may not be compliant with State or Federal law and provide guidance with how to correct.
• Perform all other duties as assigned.

The above statements reflect the general details considered necessary to decide the principal functions of the job identified and shall not be construed as a detailed description of all work requirements that may be inherent in the job.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities