Loan Processor (Bilingual)

Full-time

Description

The First National Bank of Bastrop is proud to be named a Best Place for Working Parents®. We offer an opportunity to work with a financial institution that prides itself on excellent customer service and a competitive compensation and benefits package that includes:

Employer paid benefits:

Paid time off

Paid parental leave

Paid volunteer time

Employee Stock Ownership Plan with 401(k) Provisions (KSOP) with match

Up to $825 match on Health Savings Account (qualifying medical plan required)

Life/AD&D/LTD insurance

Tuition reimbursement

Optional benefits:

Medical insurance

Dental insurance

Vision insurance

Supplemental coverages

Short term disability

Cancer

Critical Illness

Accident

Medical Spending Accounts

Flexible Spending Account (FSA)

Health Savings Account (HSA)

Dependent Care FSA

Description:

Work with real estate loan officers processing loan applications through closing. Perform all duties in conformity with applicable regulations and bank policies. Work under limited supervision with moderate latitude for independent judgement.

Essential Duties:

Order all paperwork related to each specific real estate loan, i.e., appraisals, surveys, title policies, legal documents, etc.

Correspond with title companies, surveyors, appraisers, borrowers, realtors, attorneys, etc. relating to the real estate loan being processed.

Provide necessary disclosures as required by law.

Coordinate closings with the borrower, loan officer, seller, and title company.

Work with RE Closers and the loan department to ensure that all required documentation and disclosures are in place prior to a closing.

Work with the loan secretaries/assistants as support with any real estate work they are performing.

Maintain good knowledge of all bank services so as to identify additional customer needs and/or respond to inquiries, making proper referrals when appropriate.

Ensure all functions are conducted in a professional and ethical manner while compliant with regulations and internal controls.

Represent the Bank to customers, government agencies, and the general public in ways that promote the integrity and validity of Bank objectives.

Maintain good knowledge of all Bank services so as to respond to customer comments and inquiries and develop cross-sell opportunities, making proper referrals when appropriate.

Bank Secrecy Act Duties:

In the performance of respective tasks and duties, this position must maintain knowledge of Bank Secrecy Act regulations and all other regulatory, security, and Bank policies and procedures.

Company Conformance:

In compliance with all applicable regulations and Bank policies, this position is expected to successfully produce quality work within deadlines, with or without supervision; interact professionally with other employees, customers, and vendors, while always respecting the need for confidentiality of customer information. The employee will work effectively as a team contributor on all assignments and work independently while understanding the necessity for communicating and coordinating work efforts with other employees and organizations. Furthermore, the employee is encouraged to actively represent the Bank to customers and the general public in ways that promote the integrity, validity, and mission of the Bank by participating in community organizations, events, and activities. The employee is also expected to maintain a commitment to continuing education in the banking field through self-study and both in-house and outside training opportunities in all applicable banking policies, procedures, and regulations. Regular and punctual attendance is expected, and appropriate attire is required at all times, while either performing job functions or representing the Bank at outside events and activities.

Requirements

Required Minimum Qualifications:

High school graduation or equivalent.

Two years of loan support experience.

Fluent in English and Spanish.

Preferred Qualifications:

Three to five years of real estate loan processing experience.

Must also have the following demonstrated knowledge, skills, and abilities:

Current knowledge of real estate loan documentation and title company requirements; real estate regulations including but not limited to TRID, Truth in Lending, RESPA, Flood Disaster, HUD, and HMDA; and State law requirements for home equity lending.

Ability to read and comprehend various types of loan and related support documentation.

Ability to read, comprehend, and technically apply written policies, procedures, and regulations.

Good basic math and typing skills.

Ability to use bank equipment, computer systems including PC applications using spreadsheet, word processing, and database software.

Ability to maintain objectivity and independence.

Ability to diplomatically, yet effectively, communicate verbally and in writing with all levels of Bank staff, customers, and other related parties.

Fluent in English and Spanish.