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Senior Consumer Loan Processor - Underwriter - Closer

Company: Independent Bank
Location: East Lansing
Posted on: June 17, 2022

Job Description:

Be Safe, Be Healthy, Be Independent! Do you have experience in Consumer Loan Processing, Title, Mortgage, or Appraisals and are looking to progress in your career? If so, we need you!At Independent Bank, we know that you want to be independent, with career growth and stability from an employer you can trust. Investing in your career can feel overwhelming when there are so many choices, and we understand your time is valuable. We are committed to making a positive difference in the lives of our clients, shareholders, and the communities we serve, and will empower you to Be Independent.
About the Job:
As a Senior Consumer Loan Processor you will process, underwrite and prepare closing packages for consumer loans including HELOC's and Real Estate Modifications. Additionally, you will assist the Department Manager/Senior Management with various projects, monthly reports, and related activity.Why You Should Apply:

  • Competitive compensation package.
  • Accommodating and flexible paid time off.
  • A knowledgeable, goal-driven, and exciting team of colleagues.
  • Exposure to different areas of banking and the ability to work with leaders within the industry.
  • Community-focused events and volunteer opportunities.What You Will Do:
    • Assist with tracking/reporting of matured loans and participate in ongoing meetings with collection staff regarding this.
    • Process and Underwrite consumer loan packages.
    • Review and evaluate credit report data.
    • Order various documents based on loan requirements.
    • Underwrite income, appraisals, title commitments, etc. to ensure that they meet standard consumer loan guidelines.
    • Ensure that loan file complies with all loan policy and federal regulations.
    • Prepare closing package with instructions.
    • Mail early disclosures for HELOC's adhering to requirements for coverage, timeliness and delivery.
    • Work with lender to ensure timely processing of files to adhere to internal policy and federal regulations.
    • Approval of loan files within individual lending authority.
    • Refer loan files to appropriate authority for decisions outside individual lending authority.
    • Adverse Action preparation.
    • Review and mail consumer loan denial letters.
    • Post close exception follow-up and clearing.
    • HMDA reporting
    • Monitoring loan files for timeliness and completing 10 day letters.
    • Monitor and assign Online Loan Applications as necessary.
    • Work with lender to restructure files as necessary.
    • Other duties as necessary.What We're Looking For:
      • High School Diploma or equivalent required.
      • 3+ years consumer loan and/or mortgage experience preferred.
      • Word and Excel experience required.
      • Ability to communicate effectively with employees at various levels.
      • Initiative to take on responsibilities from Department Manager.
      • Organizational skills.
      • Detail-oriented.
      • Customer service skills.
      • Ability to work independently and under pressure/against deadlines.
      • Good written and oral communication skills.
      • Math skills.
      • Interpersonal skills.
      • Must be able to make decisions and use good judgment.
      • Multi-tasking skills are a requirement.
      • Positive attitude and team oriented a must. Be Bold. Be YOU. Be Independent!

Keywords: Independent Bank, East Lansing , Senior Consumer Loan Processor - Underwriter - Closer, Other , East Lansing, Michigan

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