Equity Line of Credit; HELOC) Processor

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Position:Home Equity Line of Credit (HELOC) Processor

Location: Wichita, KS

Job :4503

# of Openings:1

Position:Home Equity Line of Credit (HELOC) Processor

Department:
Mortgage Operations

Location:
Wichita, KS (not remote/ on-site)

Status: FT/ Hourly

Jump start your career at Equity Bank! We are currently hiring energetic, team oriented, and community focused individuals to join our team! With a team of best-in-class customer service experts, you'll help to build and expand on client relationships, deliver the banking products and services that meet the unique and individual needs of clients, and create and uphold an atmosphere of superior experience and service.

At Equity Bank we’ll help you invest in your community through volunteer opportunities which align with our company initiatives and core values.

Responsibilities and Expectations

• HELOC Processor
• Ensure loans are processed in accordance with established Bank guidelines, policies and procedures.
• Order property abstract/O&E, automated value model or appraisal, and other verifications as required.
• Coordinate transactions with loan officers and underwriters.
• Review documents for accuracy.
• Manage pipeline daily to ensure closing deadlines are met.
• Interact with Mortgage Department to resolve file discrepancies and, as necessary, provide required documentation.
• Act as liaison with borrowers, customers, other bank employees, outside entities to facilitate loan processes.
• Assist in resolution of Post Close and/or Quality Control requests.
• Perform all duties in accordance with Equity Bank mortgage standards.
• Store all loan documents in Loan Operating System (LOS) as received.
• HELOC Loan Compliance
• Ensure loans are in accordance with state and federal regulations such as, but not limited to, RESPA, HMDA and Fair Lending Practices
• Stay up to date on the changing rules and regulations pertaining to both private and government-insured mortgages.
• Work in accordance to published department service level agreement.
• Benchmark of less than 5% error ratio as documented through Quality Control reports, Internal Audits, External Audits and Regulatory Examinations
• Employee is responsible for understanding and following the applicable laws and regulations for their job responsibilities including but not limited to Equity Bank Business Ethic and Conduct policy, Bank Secrecy Act, Information security, and Suspicious Activity reporting requirements.
• Perform other duties as assigned, required, or requested. HELOC Processor may become a Mortgage Loan Processor as needed.

Required Skills & Education

• Bachelor’s degree or equivalent work experience
• Working knowledge of Encompass Loan Operating System (LOS) is a plus.
• 1-2 years Loan Processing experience or HELOC experience
• Ability to make decisions in a time sensitive manner.
• Knowledge of compliance and disclosure requirements
• Excellent interpersonal skills and professional manner

Equity Bank, a…