Consumer Loan Processor

About The Role

POSITION SUMMARY: The Consumer Loan Processor is responsible for gathering, analyzing and interpreting supporting information for consumer loan applications. This position will ensure loan documentation is compliant with loan policy, processes are followed according to procedures and exceptions are maintained within our risk framework. This position supports Consumer Lenders and adheres to department lending policies and operational procedures consistent with overall company policies.

The pay scale for thi position is: $18.03 - $27.06/hour

Consumer Loans:

• Responsible for providing support to the Consumer Lender which may include ordering and reviewing flood insurance, title insurance, hazard insurance, and supporting the process of preparing application for document preparation. In addition, this position is responsible for ensuring complete files are obtained and scanned to Synergy after closing.
• Order and review flood certifications, title policies and appraisal requests.
• Preparation and tracking of Adverse Action letters
• Quality Control review of Adverse Action packages
• Prepare and track decisioned loan follow up letters
• Answer questions from branch personnel regarding all Consumer Loan products, features, benefits, rates, application status, appraisals, flood certifications and title policies in the absence of a Consumer Lender.
• Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
• Must remain up to date on all governing Federal and State consumer regulations as they relate to Retail Lending.

• Adhere to Wheatland Bank Core Values
• Keep management informed of area activities and any significant problems
• Provide exceptional customer service to all customers, both internal and external.
• Represent Wheatland Bank in a Professional fashion to include; professional image, confidentiality, regular and consistent attendance, punctual.

Qualifications:

• High school diploma and/or equivalent experience in consumer or residential lending.
• 2 years of experience in consumer lending focusing on policy and procedures recommended but not required.

Knowledge, Skill, Ability:

• Must be self-driven, ambitious, and goal oriented, with strong analytical, underwriting, customer service, and sales skills.
• Will have strong work ethic, written and verbal communication and time management.
• Basic computer skills with proficiency in Microsoft Excel and Word.
• Must be accurate, punctual, dependable, and professional in appearance.
• Ability to relate to others and impart knowledge and information in a clear, precise manner is essential.
• Good math and organizational skills to ensure the maintenance of complete, accurate loan documentation and follow-up.
• Excellent communication skills both verbal and written to maintain a heavy volume of correspondence, personal contact, and telephone communication.
• Ability to maintain strict confidentiality
• Ability to multi-task and handle complex tasks efficiently.
• Strong analytical skills
• Strong attention to detail.
• Excellent customer service skills

Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms.

Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested…