We are currently seeking part-time Tellers for our Retail Division. As our most visible point of contact for our customers, the ideal candidate for a Teller position is someone enthusiastic, pleasant, and who enjoys working with the public. An aptitude for numbers and a desire to work in a team environment are also important components for our Teller positions.
The requirements include reliable transportation and the ability to work the scheduled hours. Part-time Tellers will be scheduled for Thursdays and Fridays from approximately 3:00pm until closing and Saturdays from 8:30am until approximately 2:00pm.
Please note: This is a year-round position and candidates must be available to work throughout the school year on the days and times mentioned above.
Minimum 3-5 years experience in residential lending required
Please note: This is not a remote position – office attendance is required
Responsible for assisting the Loan Production Officer with daily support and training of Loan Production Assistants. Responsible for timely and accurate set up, processing, and disclosing of all residential mortgage applications to ensure that loan approvals are obtained in a timely manner. Responsible for assisting Mortgage Originators with guiding the borrower through the mortgage financing process via ongoing communication with borrower. Responsible for monitoring mortgage and home equity loan applications from application to closing to ensure exceptional customer experience. Responsible for the submission of clear and accurate loan documentation, presenting organized and complete files to the underwriting and closing teams.
Responsible for underwriting residential loans, recommending credit decisions on incoming applications consistent with Bank policies and procedures, secondary market guidelines, and State and Federal Regulatory guidelines. May provide training and direction to loan production assistants.
ESSENTIAL DUTIES AND RESPONSIBILITIES – Processing
Process and disclose residential mortgage loans and home equity lines of credit (Keylines) in compliance with regulatory guidelines
Order and track all documentation required in order to process new loans, including but not limited to, the flood certification, SSA verifications, tax transcripts, appraisals, employment verification, and title work
Review and validate loans for completeness and accuracy and ensure any deficiencies are appropriately addressed and resolved prior to submission for underwriting
Communicate with the customer on an ongoing basis to ensure they remain informed and aware throughout the process
Communicate with Mortgage Originators, borrowers, attorneys, and realtors as appropriate, on an ongoing basis, to ensure a timely and efficient process, creating an exceptional customer experience
Maintain a thorough working knowledge of consumer lending regulations
Maintain a thorough working knowledge of the Bank’s policies and procedures
ESSENTIAL DUTIES AND RESPONSIBILITIES – Underwriting
Underwrite residential mortgage loans ensuring compliance with appropriate Bank and secondary market investor standards in a timely manner.
Analyze automated underwriting findings and supporting documentation to ensure proper documentation; verify income and asset verification supplied by applicant(s) to determine loan eligibility, identify risk issues, and/or potential fraud.
Examine loan documentation for accuracy and completeness.
Make recommendations for loan approvals and prepare commitment letters; monitor the status of commitment letters mailed to ensure they are returned to the Bank within the allotted timeframe
Interact frequently with Mortgage Originators, other Bank personnel, attorneys, and others in person, by telephone, or in writing; acts as a liaison with correspondents; support Mortgage Originators in daily functions
Responsible for knowledge of secondary market requirements and Bank policy and procedures; keep abreast of current underwriting standards
Strong communication and organizational skills, and the ability to work independently and in a team environment required. Additionally, Microsoft Office Word and Excel skills required for this position along with the desire and ability to learn job specific software.