Consumer Loan Processor

Location: Iowa

** Midwest Heritage Bank
**** Job Title
**** Department:
** Banking
* * FLSA:
** Non-Exempt
** General Function
**** Core Competencies
*** Consumer Loan Processing
* Loan Administration
* Loan Servicing
** Reporting Relations
**** Accountable and

Reports to:

** Consumer Loan Operations Supervisor
** Positions that Report to you:
** None
*
* Primary Duties and Responsibilities:

*** Prepare prelims and/or closing documents:
Consumer Loan Operations Processor The Consumer Loan Operations Processor is responsible for all operational functions associated with the loan process. Prepares preliminary disclosures and/or closing documents for consumer loans and ensures all pre-funding and post-closing functions are complete.
** Knowledge, Skills, Abilities, and Worker Characteristics:
*** Order services as needed
* Verify all loan conditions are met
* Enter/update Hy-Vee payroll deductions
* Monitor tickler list and update as needed
* Quality Control post-closing
* Verify all required documents are in the file and signed
* Verify all necessary information is on IS View, Insight, Laser Pro and/or Encompass
* Review, sort, mail or process, any notices that are generated, i.e., past due, insurance, renewal, etc.
* Review reports / balance accounts i.e., FHLB, CSO, Escrow, Loans Control, Loans in Process (WIP) etc.
* Escrow analysis/pay taxes, PMI and insurance
* Process paid notes and release collateral
* Calculate /process loan payoffs
* Assist customers and employees with loan questions
* Maintenance loans, forms or documents as needed
* Process/monitor PMI notices/escrow refunds /cancellations/monthly billing
* Investor/Mortgage loans
* Book mortgage and consumer loans into FIS system
* Verify disbursements are complete and balanced
*
* Education and Experience:

** High School diploma or equivalent. Minimum of one year of banking or real estate experience required.
*
* Physical Requirements:

*** This position is classified sedentary/light and requires the ability to sit for long periods of time.
* Visual requirements include the ability to see detail at near range with or without correction.
* Must be able to perform the following physical activities: sitting for long periods, talking (in person and by telephone), hearing and repetitive motions.
*
* Working Conditions:

*** The duties of this position are normally performed in a general office setting. This is a fast-paced work environment.
* There is frequent pressure to meet deadlines and handle multiple projects in a day.
** Equipment Used to Perform Job:
*** Commitment to the Midwest Heritage mission and willingness to promote the values of the organization.
* Strong organizational and time management skills with the ability to prioritize multiple tasks and meet deadlines.
* Proficient computer skills. Microsoft Office preferred (Outlook, Power Point, Excel and Word.)
* Good verbal and written communication skills.
* Strong interpersonal skills; ability to relate to and interact with people in a friendly, professional manner.
* Strong detail orientation including the ability to review forms for accuracy and completeness.
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